ne goes to a guru for enlightenment. In some cases, the guru comes to you. In this issue, we bring you 10.

We didn't expect 10 gurus to agree on everything, and they didn't disappoint. If nothing else, the exercise that begins on Page 1 proves there are at least 10 ways of looking at a problem.

But it shouldn't take the alert reader very long to notice one theme that occurs repeatedly in these presentations: the necessity of focusing on the customer and the customer's needs, or, as Marriott's Roger Dow put it, "understanding what's important to the client at that moment."

Although the Internet works in real time, this kind of understanding takes face time. It is not something that easily is achieved with e-mail or mouse clicks.

It has been said over and over that agents must add value to the transaction to attract and keep customers. Part of that value is the inherent value of being in the same room, and we don't mean chat room.

That, we believe, is the advantage that travel agents have and always will have, particularly in stressful times such as these.

• • •

A painful choice

proud tradition of financial stability has been part of the legacy of the National Tour Association for decades, dating back to the days of federal licensing when the group was known as the National Tour Brokers Association. In fact, the old NTBA used to warn that an end to licensing could usher in an era of tour operator defaults and bankruptcies.

It may have been right, as protection plans for the patrons of tour operators became something of an industry fad in the 1980s, when different programs sprang up at USTOA, ASTA and the NTA.

ASTA discontinued its program in 1993, on the grounds that its maximum payout in the event of an operator bankruptcy, $250,000, was not enough.

The NTA and USTOA soldiered on, but the liability limit in the NTA's Consumer Protection Plan didn't keep pace with our troubled times. Before the NTA's decision to terminate its plan, its maximum liability was $200,000 per bankruptcy, less than what the ASTA program offered a decade ago.

Even with its limitations, the NTA was rightly proud of its plan, and it is unfortunate that the association and its members no longer can afford it. Without the plan, NTA membership dues will fall 43%, from $700 to $400. With the plan in place, and with the prospects of more trouble ahead, the pressure on dues most certainly would be intense.

We hope NTA members can continue to build confidence among consumers and travel sellers, and we hope the NTA continues to involve the nation's travel agents in its efforts to promote consumer welfare.

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