Weinswig, who assumes a more cautious outlook for the second half of fiscal 2010, lowered her earnings-per-share estimates for Target, Saks, Lowe's, Macy's, Kohl's, Wal-Mart, Nordstrom, J.

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Another option is layaway which is being offered at stores including Wal-Mart, Kmart, Best Buy, Toys r Us and T J Maxx.

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