Livermore, Calif.

Heather Fletcher is senior content editor with Target Marketing.

The motorcyclists who frequent the CruiserCustomizing sites expect performance. So when the on-site search tool wasn't firing on all cylinders, the Livermore, Calif.-based e-tailer of motorcycle parts and accessories decided it was time for a tune-up.

By Kendra Wilson Imagine a prospect's surprise when, upon opening her mailbox, she finds a gleaming, plastic tube—7-1/2" long and 2" in diameter—that teases her with a cryptic message against a lime-green background: What to call people who consolidate their student loans before June 30: This dimensional effort belongs to Vista Financial Inc. (VFI), a Livermore, Calif.-based provider of loan consolidation services to borrowers of federally backed student loans. On July 1, the interest rates on federally guaranteed, variable-rate student loans were slated to go up by nearly 2 percentage points. Seeing the need for consolidation services, VFI

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