tougher? >> yes, because of return fraud. people trying to figure out how to get a different price for something. they have gotten more stringent. and you heard of restocking fees, especially for electronics, restocking fees. maybe the company will charge a little because they've had to adjust inventory because you bought something and then returned it. i mean, just always make sure you get a gift receipt for the gifts you're going to give and keep receipts as much as you can. >> say you didn't get everything you wanted, or say you didn't get everything on your list for other people, is now a good time to still go shopping, or do prices tick back up? >> this is a great time. there will be a lot of really great sales here because you're going to see all these retailers trying to adjust inventory. clothing, apparel, this is a great time for apparel. sometimes you're having a hard time finding sizes, but when you return to stores, great deals. holiday decor, 75% off. video games, a good time, and electronics. those are the best deals. i will caution everybody, when you're going to return your