I was surprised to see the National Retail Federation is estimating a 2.2 percent increase in holiday sales this year. From my perspective, I think we’ll be lucky to see any increase. When you take into consideration the fact that inflation is currently 5 percent higher than it was this time last year, and could rise even more by year’s end, I’m predicting a flat holiday sales season—and even that seems optimistic. I think we’re going to see apparel retailers continue to struggle, while toy and electronics retailers will do well. And, I think we’ll see the larger discount stores—Wal Mart, Target and Costco—continue to win the market share of shoppers. One thing I think all retailers need to do, including the discount superstores, is keep their inventories low and discount early this season. Last year, discounts were given long before Black Friday. I think we’ll continue to see this trend over the next couple of years to the point where Black Friday is no longer the day after Thanksgiving, but the first Friday in October.