We are in the third week of November and that means that we begin to think about the end of the year holidays. In the United States, the fourth Thursday of November is when we celebrate Thanksgiving. From there, we are on the fast lane headed to the end of the year and holiday row. Retailers make the greatest part of their revenue in the final quarter of the year largely because of the holidays. They have learned to leverage the time when people are buying to create momentum and generate income. I can remember quite well that some of