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- "Gifts and people come in different sizes, and they seldom match."
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- The rate of exchange on Christmas gifts will always be very high.
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- "After you've spent all your money on Christmas gifts, the one gift you are sure to receive is a wallet."
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- "A lot of Christmas gifts are mismailed every year, and a lot more should be."
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- Many banks have a new kind of Christmas club in operation. The new club helps you save money to pay for last year's gifts.
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