We are down to crunch time. If you haven't quite finished your holiday shopping you are like most in the nation. In fact, as much as 40-percent of all holiday sales take place in the last few days before Christmas. Nationally, holiday sales make up 25-percent of annual retail sales. This holiday season, people seem to be spending more. It's estimated that shoppers spent close to 2-hundred-9-billion dollars so far and 8-billion more than last season.