PLEASE READ - I think you may have been hijacked...
If you try to search for "All things Christmas forum" from Google, and then click the topmost "Forum - All Things Christmas" search result, instead of coming here you find yourself at a Panda Loans webpage. I just thought you should know. (This using a public terminal)
And anyway, I've no intention of borrowing a Panda, certainly not at interest rates north of 2000, yes 2000%.
So let the raucous sleigh bells jingle,
Hail our dear old friend kris kringle,
Driving his reindeer across the sky.
Don't stand underneath when they fly by.