PaymentsJournal will not publish Dec. 24 through Jan. 1. We’ll return full time on Jan. 2. We’d like to take this opportunity to thank our readers for helping to make the site a go-to destination for news and opinions about the payments industry. We continued to grow in 2012 and the new year will include more opportunities for PaymentsJournal to flourish. Happy Holidays and all the best in 2013.