Hard electronic retailers, like Best Buy, are seeing more of the tax refund dollars than specialty retailers.

Apparel overall is showing a mixed picture. There's been a lot of pressure on the apparel side, particularly among specialty retailers, to keep prices down but we think that situation will improve as the year goes on.

Basically the economy is sluggish. We are seeing consumers resisting spending and the outlook for the second half of the year is not as bright as it had been. Even Wal-Mart said its second half will not be as strong.

Spend your tax refund. Because, really, you earned it.

Who says, Here's the key, there's the Treasury, just take as many of those hard-earned tax dollars as you want

As you can see, Christmas is spread out -- not just among December but among January as well. Promotions certainly helped to drive those sales and you can see what the consumer is looking for. It all depend on price.