On the money

Premiums and incentives have to be appropriate, says Paul R. Nelson, of Toronto’s FCB/Direct. Page B-3

Changing scene

Potential erosion of brand image and loyalty have been overshadowed by the pressures of increased competition, according to Camp Odell & Roper’s

Lori Appleton. Page B-4

Tactical tool

An incentive is a tactical tool to be used only when needed, says Peter Henderson of The Henderson Robb Group. Page B-6