INTRODUCTION
I’ve was always the kid who couldn’t wait for Christmas morning. My children aren’t that bad, they get up a hair early, but I wasn’t like that growing up. I was the kid that stayed awake on Christmas eve as long as they could, and would then wake up every hour on the hour starting around 2:30 or 3:00am. Once I interrupted a very frustrated Santa while he was in the middle of assembling a bicycle for my sister. I offered my assistance and was sharply told to go back to bed. However, after much waiting, eventually there would be presents under the tree. As a child, I just couldn’t wait to see what was under the tree on Christmas morning. Now, as an adult, I don’t want to see the bank statement on Christmas morning. Ignorance is bliss.