Yes, I am aware of some of the "bumps" out there.
Official stats are that about 20% of gift cards, etc are never redeemed. Of course stores love them;-)
However, my question was not about the morality or legality of these certificates. I am simply trying to wrap my mind around how to actually pull this off for the Christmas season without incurring FVF's twice.
I'm nearly there after putting more thought to it but suggestions from others would go a long way, I'm sure.
Xena