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(The Network Journal) — Holiday shopping’s in full swing, building perhaps toward a merry climax at retail outlets.  For many shoppers, that will mean paying the final few installments on their layaway plans. Laying away, the practice of purchasing merchandise over time rather than paying for it all at once, without interest charges, has made a comeback over the past few years, industry experts said. It helps to meet the needs both of credit-starved shoppers and customer-starved retailers, and it’s a throwback to an all-but-gone business era that was marked by much scarcer dollars for families to live on.

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