In the spirit of the times, I highly suggest you give the gift of Credit. Have you noticed extra long lines at the banks lately?? It’s because bankers have ceased giving us credit. And since more of us young folks are unemployed than ever before, we need to take Credit back into our own hands. Credit, written by Matthew Timmons, is an 800 page full color, large-format, hardbound book put out by Blanc Press. Get it!