This estimate is up modestly from approximately the same time last year, when the average projected spending was $0. These data suggest that retail spending this holiday season will not be depressed and may exceed normal seasonal patterns despite what some observers have considered to be a negative economic climate. Wentworth and the Annuity Purchase Program, go to www.jgwfunding.com/annuities.asp. Of those satisfied consumers, 95 percent will use the company again.