[djmcmath]

Thanks for the insightful post -- I always appreciate hearing from the Pelicans who are financially connected.

On the other hand, while I know you're probably right, I really wish you could be wrong. This is going to be an ugly Christmas for retailers all around. I know that in my extended family, we've all agreed to basically spend little or nothing on presents. Not that we were ever big spenders, but we never really came out and said, "$5 limit, everyone!"

Good luck to all,

Dan