No.1: Risk diminishing on high-risk car loans. No. 2: Franchised dealers pushing hard in all used vehicle niches, independents feel it. No. 3: CPO sales meet cost reduction intentions, but still being sold to luxury buyers willing to pay more. No. 4: Used vehicle sales volume and prices softening, but all things considered, continue to be strong. No. 5: Gasoline prices and consumer demand for fuel-efficient vehicles still a multi-layered, tricky trend to follow.