The most important time of the year is upon the retailers. Economic activity during the Holiday season is the most important time of the year. Most retailers “make it or break it” during Holiday season. The start of holiday shopping continues to “creep” earlier and earlier into the year as retailers attempt to exploit its commercialization. And, holiday shopping season is extremely important for annual Consumer Spending which we believe is one pillar that support the stock market. This year, I am anticipating a surprisingly strong holiday shopping season due to lower unemployment, lower gasoline prices (which puts more money in consumers’ pockets), low interest rates, and increased demand for consumer borrowing. An increase of 5% or more in holiday shopping would result in an A+ grade for Consumer Spending.