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these occasions too far? also Christmas, the excess and waste is worrying, people spending money that clearly they cannot afford, and sometimes borrow so that they can what?? keep up with others? make sure that their children have the latest gadgets, latest costumes, and all the other rubbish that they consume, have consumers been brainwashed, and is it now time to instill some values for the future on children, re- good management of money.