They don't have a female-driven market research function. They don't calculate the share of affluent females. They don't have a marketing program that says, I'm going to understand your needs and configure products, and services to meet those needs, and explain them to you in language that you can understand.

Can you give some specific examples?

Women don't buy life insurance -- because no one is trying to sell it to them. Most men have life insurance outside of what they get at work. Women do not. Yet the economic catastrophe of a woman dying when she has young children to support is as great as it is for a man.

How about in the non-financial arena?

Air-conditioning repairmen still talk down to women. So do car dealers. Water heaters are considered an item of mystery and intrigue. Moms manage 85% of health care purchases, yet doctors show little respect for her time. They make her sit in waiting rooms for hours.

Despite women's growing financial power, they still earn about 68% of what men earn. But that income gap is closing. Can you talk about that a bit?

In 28% of two-income U.S. households, she makes more money than he does. If you were to stop 100 people ages 25 to 30 in Manhattan, more than half the women would make more money than the men. There are 1 million high-income women in the U.S., earning more than $250,000 a year.

What is the "crater effect"?

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