The most pressing strategic issue in this case is rapidly decreasing loan volume and increasing payment delinquencies. As president, Vince Stoddard should be greatly concerned. He personally recruited Marian to head the eight consumer loan sections, recognizing her proven ability to pursue business growth goals. The Moment is called “Whatever you think is necessary,” for that is what we are told is Vince’s cool, almost passive reaction to this serious dilemma. Why is Vince Stoddard not more directly involved in working with Marian to find the underlying cause of these serious losses? Is he telegraphing a realization that he should have promoted Dave Kattar?