A Christmas Memory That Endures Through the Years.

A black-and-white cartoon depicts a ghostly figure shaped like a Visa credit card with a face, floating near a seated man in a chair. The ghost says, 'I'M THE GHOST OF CHRISTMAS PAST.' The image is a satirical take on holiday spending, using the classic 'Ghost of Christmas Past' character from 'A Christmas Carol' to represent the lingering presence of past credit card debt or financial obligations during the festive season. The artist's signature 'STAHLER. 12/3' is visible in the bottom right corner.

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