Do you buy all of your fruits, vegetables, meat and canned goods at the same store? Do you have all of your IRAs, stocks and bonds with the same money manager?I bet most of you answered "no" to both questions. As Americans, we value the wide variety of goods and services that are available in a capitalist society. Consider the evolution of automobiles. For something as basic as a means to transport us from point A to point B, we have literally thousands of options-considering all of the makes, models and colors-to choose from.

Retailers have long recognized that many consumers like to shop around. There are stores that only carry shoes, stores specializing in women's clothes and boutiques that only sell purses. You won't find men's ties in any of these shops.

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