There are any number of key issues facing North American finance and leasing executives this year. The keyest of the key? The uncertainty surrounding tank-car design standards, as industry execs told us (and told us and told us) last month as we put together our annual Finance & Leasing Guide directory. The potential design/retrofit costs. The impact on fleet capacity. The impact on lease rates (and on lessors). The corresponding liability issues. The potential impact on crude-by-rail business. And so on. What other issues concern this crowd? Here's what they shared with us.