Well it is that time of year again, the time when people get out and shop until they drop or their credit card burns out. The stress of getting the right gift at a good bargain, wrapped just right with a bow for this festive occasion and hoping they like it and the size is right so they will not have to return it. There is something about the whole process that becomes so deeply satisfying and stressful all at the same time. So get out there shoppers the stores await, the crowd awaits and the banks are counting on you to make their day. Merry Christmas and Happy Holidays.