With interest rates at rock bottom and jobs galore, it was a great time to be a consumer. Or, a company selling to them. Gap Inc. jumped to No. 3, Home Depot Inc. ranked 13th, and credit-card issuer Capital One Financial Corp. jumped onto the list at No. 15. But it wasn't enough that consumer spending was on a tear. Management of the BW 50 companies got there by sweating the details, even in boom times.