Failing in cost cutting measures, it’s time to Occupy Christmas – and the rest of the year. If the words "Federal Reserve" aren’t in your vocabulary, the elves give you ample reason to learn them, and suggestions for entities such as B of A, Chase and City Bank. Santa can be a bit myopic on the subject of ‘low tech toys’ – one Jolly Elf’s trashy toy is another person’s treasure, and so festive!