| http://www.w3.org/ns/prov#value | - it is the most wonderful time of the year again, but also the most expensive as households face up to the annual bill from presents, food, festive travel and the rest.One in five of us expect to use a form of credit to pay for this year's festivities, but by the time December 25 has been and gone it could be that almost half of us have taken part in some form of seasonal borrowing.<
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