Progressive Railroading's 2013 Finance & Leasing Guide essentially is a directory of firms that offer financial and consulting services to the rail industry. But the information-gathering for the annual guide — our 13th — also gives us a chance to check in with many of the major players and thought leaders in the rail-finance realm. This year, we asked them to tell us what they think the key issues are this year. We also asked them to weigh in on the biggest changes during the past decade, and what they thought the next big change might be. We don't profess to offer up any definitive sum-ups of the year ahead, or of what The Next Big Change will be. The hope is that the insights and observations of those who responded to our questions offer a few meaningful clues.