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The data shows that credit cards remain the most researched product online , checking accounts are also actively researched online , and most consumers still do n't apply online . Ford has been losing sales for years to Asian competitors , but now GM is fielding its strongest product lineup in years , with the 2007 car and truck of the year - - the Saturn Aura and Chevrolet Silverado - - along with a new midsize Malibu and some promising electric and hybrid power train technology . In many applications , further substitution of cobalt would result in a loss in product performance . The cost , however , will be significantly affected as the contribution of the stabilizer cost to the total cost of a product such as greenhouse films can be as much as 30 percent . Failure to do so allows the vendor to terminate our access to the product .