Brick and mortar retailers will face increasing pressures around addressing long-term debt. As online retailers continue to flourish without the pressures of significant fixed costs that brick and mortar retailers traditionally face, the competitive advantage will continue to favor lower-cost online retailers. Indie retailers will face additional pressures of remaining relevant — as the Amazon marketplaces continues to expand selection into thousands of specialty areas, Amazon will be able to use its one-to-one marketing capabilities to provide online shoppers with easier access to products that historically have been available only through indie retailers, often at prices much higher than what Amazon charges.