The market's broad-based advance Monday drove 95% of IBD's 197 industry groups to higher ground. The Finance-Consumer/Commercial Loans group, ranked No. 16 in Monday's IBD, made the biggest move. Four of the group's 20 stocks show EPS Ratings above 80. Three of those four, Credit Acceptance (CACC), Nicholas Financial (NICK) and Ameri-Credit (ACF), deal primarily with used or new auto loans. The other top-ranked issue, World Acceptance (WRLD),