Whether in the UK or the US interest rates have come down and not really been handed on. I have a mortgage in its 2nd year of a 5 year fixed rate and its still offering a better deal that most mortgage companies are right now with the rate in the UK at 2%. So what are you spending this Christmas,are you keeping the purse strings tight, cutting up the credit card and putting coal in the childrens stockings? Are you buying Christmas Pudding and mice pies? Are you having some turkey twizzlers instead of the bird with all it strimmings. OR are you saying what the hell, its a time of goodwill and plenty, of the world turned upside down, so lets splsh out one more time before we all feel like an extra in the BBCs new production of the 1970s series “survivors”.