Getting into specifics, the Wall Street Journal recently reported on Lisa Zerr, owner of Yankee Toy Box, and her urgent need to secure credit in order to upgrade her inventory ahead of the holiday shopping season.

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Those products include comic books, T-shirts, scrapbooks, trading cards, games, lunch boxes, dolls, toy cars, magnets, greeting cards and DVDs where their images appear on the box covers.

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Since most people with a new toy immediately slip in the batteries and try to turn it on, the out-of-the-box experience is a frustrating one 15 minutes of button poking before giving up and diving for the manual.

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