their gifts, for example, that they got this holiday, they're now more likely, we're seeing, to exchange that for something else in the store, as opposed to maybe just returning it back to their credit card or the gift giver's credit card minus the restocking fee. >> and while all of this sounds great for the consumer, it may end up being costly. it's estimated that retailers will lose up to 17.7 billion dollars, questionable returns this year, and that's up from 14.8 billion last year. uma? >> so, kelly can hang on to the sweaters, the reindeer sweaters or take them back, right? >> he's going to hang onto it because his aunt mildred gave it to him, he said earlier and he has to keep it. >> uma: thank you, heather. >> kelly: you two ladies-- >> and time to make good on the new years resolutions. >> kelly: and most try to lose weight, quit smoking or pay off debt. one father is it trying