Retailers have achieved their goal, discouraging a lot of returns.

It's like free money. If an item is $50 and you have a card for $35, then you get something for only $15. Psychology takes over.

The consumer is in a budget mind-set; it's become ingrained.

The best way I can describe America is we're sleep-walking through Christmas.

I think they've got to be aggressive and to make Martha more accessible. America has got to know that she's not the same Martha she was before.

To a great extent, the brand has become a non-brand. It has not been nurtured or built upon for the last few years. They won't necessarily save money, but they'll consolidate their advertising dollars to a limited number of brands and do it better.