Now come the bills! Christmas is a time of exhilarating gift giving. Not only are those close to us showered with as much as we can give them, but even total strangers feel the generosity which the season, with its sentiments of caring, and thoughts about the needs of others, generates. It feels good to respond whole-heartedly, doesn't it? You bet it does! But loving, and giving, and caring about, all have their costs. And for most of us just what those costs are doesn't really get tallied until the flush of the holidays is over and the tab for our generosity arrives in the mail.