1. As far as I'm concerned, there are two very obvious signs that the middle class is sinking in financial security and that this situation is becoming the New Normal. The first sign is the rapidly growing popularity Online Betting "Services" becoming standardized by full-length commercials featuring well-known stars of television, music and film. The second is a succession of "get paid two days early" ads like this one. If getting your hands on your paycheck 48 hours earlier than usual is this important to you, you've got problems that a bank simply won't solve, people, and maybe you should give that some consideration.
2. The "first gift" this spoiled rotten little girl is going to "open" doesn't need to be "opened" at all. It's a freaking pony. Who the hell thought it was a good idea to "gift-wrap" it? When was this done, and how was the pony hidden before the party? Where is this pony going to live- it looks like this house is in the suburbs? How do those other kids feel about the gifts they brought basically being dirt underneath this girl's shoe at this point? Seriously, Capital One, what the actual hell?