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>> kmart resurrected the layaway program as did sears. designed for people who dont want to or cant get credit to use. this year, in fact, just announced, toys "r" us is doing a savings card program where every amount you put on the savings card theyll contribute 3%. its a way to actually increase the amount that youre going to be able to spend come holidays. programs are popular for people living paycheck to paycheck, know they want toys and want every advantage. >> customization common. what i...