The Christmas season has already started. Shopping centers and department stores are covered with giant trees decorated with spheres and series of thousands of little lights. The pavilions are adorned with beautiful poinsettias, and the colors red and green have taken over the landscape. December is a time of giving and meeting with family and friends; but also bonuses, gifts and commitments.
In most businesses, the last months of the year are the ones that generate the most sales. For what is this? On the one hand, because the desire to buy and the economic resources of consumers increase at this time; and on
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