1) INTRODUCTION: Let us paint the following picture: Johnny is 6 years old, does not have any money, does not earn any income or receive any pocket money, loves his dad and wants to buy his father a gift for Xmas and on top of that, his dad is the owner of the biggest retail store in the world which sells everything “under the sun”, so what is Johnny to do? The short answer is that Johnny’s options are very limited and perhaps a material/physical gift is not the way to go.