Oh my goodness, no...we are not trying to jump in now and be ready with product by Christmas. Maybe NEXT Christmas. And yes, I do have another post out there asking about required label information, and have been searching posts related to insurance too. So, yes, we are looking at the whole picture, which is why I am here asking questions . Though I do have to say, I think you've all discouraged me more than enlightened me....haha...but i'm not giving up, I want to do this!! Keep the info coming!!!!!!