first time you have met. is that correct? >>guest: yes. rick: what is it like to realize he made christmas special for your boy? >>guest: it is to put a face with the name, and i'm just happy that i can say "thank you," in person. rick: how did you come up with this idea? >>guest: well, the south beach athletic club, a nonprofit organization, we started thinking about this in october, and we do a number of charity causes throughout the year and we started hearing about the layaway programs and we looked at layaway programs most last for two months and the individual goes into default, and there is upfront fee of $5, a cancellation fee of $10 to $15 depending on the store, and because of that we said, well, if someone has a $50 layaway they have $40 in, that $20 taken out and the cancellation for
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