I know it's early yet, but with Christmas on the way, you might be donning your battle gear ready to hit the streets in search of that perfect gift for your friends, family, other half or little rascals.  Others though, like me, are hiding under the stairs, chewing their nails and breaking into a cold sweat at the thought of the inevitable last minute Xmas eve shopping-spree handing out wads of cash to anyone, ANYBODY who can sell them something that looks remotely thoughtful.