The holidays have arrived, and consumers have started heading out, or logging in, to engage with their favorite retailers for gifts, parties, and travel, among other seasonal favorites.There’s a lot of money at stake. According to the National Retail Federation, U.S. retailers are staring down a trillion-dollar holiday shopping season, with November-December sales expected to top $1 trillion for the first time on record.While that’s cheerful news on the consumer-spending front narrative, it won’t lift all r ...