Over the past two decades, a variety of economic factors have created enormous new wealth. And for those looking to spend it, it's about indulgence and self-expression along with a luxurious customer experience at every juncture - whether through direct contact with a live salesperson or direct marketing in the form of a catalog, brochure or personalized e-mail. Direct marketing can be highly effective in reaching this lucrative segment - one that represents an estimated $220 billion in annual spending on goods and services.