their return policies and sort of how that impacts the consumer. well, brian, there are about $60 billion in returns expected over the holiday season. that s a huge number and about 6% of all returns are fraud. so for retailers, they d love to have as many limitations as possible to make sure they re not getting ripped off by consumers. so the basic rule of thumb is that retailers are going to try to pressure people to make those returns as early as possible. so if you have some spare time over the next couple of days it s a great way great opportunity to get those returns out of way. aren t you surprised there are so many people shopping? doesn t that surprise you at all? well, i say you walk around here, there are 50, 70% off. i cannot believe how deep the discounts are. they were significant discounts before christmas, but i think people have been trained to wait for a deal. and i think that we re going to see a lot of shoppers come out, look for odeals online. look for deal