1.   But just as with cars and cruises, a savvy consumer never pays the brochure price.

2.   But savvy consumers know that it makes more sense to bargain up from the invoice, or wholesale, price.

3.   Companies intent on raising their prices must offer a better product to savvy consumers.

4.   Even so, savvy consumers can look up the financial reports that professional fund-raising companies have to file.

5.   Few savvy consumers would buy a new car without at least taking a test drive in a floor model.

6.   Having multiple shopping options means that savvy consumers can compare prices and check up on the best Internet retailers.

7.   Savvy consumers do not expect their fashion intelligence to be free of commercial influence.

8.   Savvy consumers know the deals will keep coming.

9.   Savvy consumers find a way to take advantage of the game, forcing businesses to change the rules.

10.   The most important part of buying from one of these stores is to be a smart buyer and a savvy consumer.