A growing number of major retailers are turning to in-store financing to keep cash registers ringing and shoppers shopping. Toys R Us announced its layaway plan Monday. "I'm surprised we haven't seen more companies announce layaways at this point," said Ellen Davis, vice president of the National Retail Federation. "In an economy like this, many people like the idea of buying ahead of time, even if they can't pay for it in cash, without having to deal with a massive credit card bill in January."

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