swfc, Christmas isn't it a time to make money in any trade, um? so nobody capitlises at the greatest point of the year, I think OP is investing interests at appropriate times of making money, I sure do. Its human nature. Fair enough if your business is capatilising all through the year - great, but if H20 wants to make some money when all the supermarkets do, shops, retail, wish I was in a position to slow down but im not, I take advantage of all the prime time of the year. Wish I could shut down and not think about 2014- not in a position to do that