There's an old joke that goes, "a bank is a place that will lend you money if you can prove that you don't need it."
It's a humorous remark that has an edge of reality to it, as anyone who's ever tried to take out a loan can confirm.
December has arrived, and with it comes the hustle and bustle of the holiday season. Many scramble to find just the perfect gift or to cook the perfect meal. Parties are planned and attended; drinks are had and toasts are made.