Mark Johnson, President & CEO of Loyalty 360, asks attendees of the Card Forum and Expo, held in Miami, Florida, April 27-29, 2011: "How will merchant-funded reward programs change over the next five years?" Respondents are Steve Van Fleet, RewardsNOW, Bram Hechtkopf, Kobie Marketing and Stef-Erik Anderson, SunTrust Bank. We invite you to share your thoughts below.