Apr 14

What the War in Iran Means for DTC and Dealership Marketers

Dark Sky Data | Market Intelligence | April 2026 A military conflict involving Iran doesn’t stay in the Middle East. It travels through oil markets, into consumer prices, and eventually into the cost of a car repair, a mortgage payment, and a household’s appetite for protection products. For performance marketers in the home warranty, VSC, […]

Mar 16

A Primer on Auto F&I Reinsurance

An overview of the structure, mechanics, and financial dynamics behind dealer participation programs for Finance & Insurance products. Contents Introduction The Auto F&I Product Landscape The Reinsurance Framework Program Structures Financial Mechanics Earnings Curves Reserves & Collateral Reading a Ceding Statement Trust Account Distributions Controlled Groups & Tax Considerations Glossary of Key Terms Introduction Auto […]

Mar 6

Why CPA Always Rises When You Scale (and What to Do Instead)

As marketing spend increases, cost per acquisition almost always rises. This is not typically a failure of creative, vendors, or execution. It is a structural outcome driven by audience saturation and expansion beyond your highest-probability customers. The strongest prospects convert first. As additional dollars are deployed into weaker segments, conversion rates decline and CPA increases. […]