Many Americans are finding out that their insurance rates are going up. Unlike government most of us live on a budget and things like insurance and Christmas are in that budget. Seems to me that when a family learns that they will have to come up with a couple thousand dollars more next year for insurance they may very well take that out of their discretionary spending fund and that would be Christmas. Most retailers depend on the Christmas shopping season to get them into the black and if sales this year reflect the cost of obamacare a lot of them will be hurt, some fatally. A local company where I live is a good example. They have been suffering all through this Obama economy and just laid off 500 people. Rumor has it if they have a bad Christmas they will close their doors.