The biggest implication of Wal-Mart bringing payment processing in-house is the potential for it to save an unprecedented amount of money in yearly fees.

Starting with the recession in the mid-70's, the worse the economy got the better Wal-Mart sales would be. Now, like everybody else, Wal-Mart is using every excuse in the book to disguise company-specific problems.

When it comes to their eating habits, consumers will continue to choose the proverbial sin over salvation -- or fat and sugar -- over the lack of it.

Food manufacturers will capitalize on fads as long as they're around and its profitable for them. When it's over, it's on to the next thing.

Americans are work-stressed, time-stressed, and they're eating out more. Sugar and fat is tasty and it gives immediate gratification.

Now, rather than former outsiders having a big voice in the company, it will become more of a meritocracy.