As inflation rose beyond 25% last year, the status-driven Pakistani consumer increasingly sought innovative ways to upgrade his lifestyle despite a declining real income.In August 2008, HBL revolutionized car financing in Pakistan by launching HBL CarToCar, an entirely new-to-market concept. Featuring a Buy Back Guarantee and installment amount at 50% compared to competition, HBL CarToCar offers consumers an affordable solution to upgrade their car frequently.The HBL CarToCar campaign was based on the insight that the Pakistani car finance consumer (typically 25-35 year-old men) fantasizes about being a Casanova who changes cars and women often.