Christmas is nearly here, and although some folks have had their Christmas shopping completed since last month, the majority of us are just getting started! We have Christmas lists written in red and green crayon hanging on our refrigerators, waiting for “Santa” to check them off. Well I’m sure we can all agree that Santa’s budget is a bit tight this year. We all have our stash, that money we’ve set aside specifically for Christmas, and we’ve been saving it for months. We’ve sworn oaths not to touch it until the gift purchasing begins! But what if that money, which we’ve protected with our very lives, suddenly disappeared? What if it vanished—stolen by a mysterious thief? “Who would do such a thing?” you may ask, “Who would steal the money for my kid’s gifts? Who would steal Christmas!?” This thief is of the worst variety, trusted and unsuspected. It seems perfectly harmless until it comes from the shadows and sucks your pocketbook dry! It is none other than your HVAC system! Yes, that heat pump or furnace that has been humming in your basement for years could be your worst Christmas nightmare!