This holiday week on Business Time with Ralph and Mike we revisit the ongoing Tipocalypse with a closer look at the ever increasing shame factor that is involved. Keeping this in mind we move to the change in delivery driver tipping: No tip, late delivery = bad food. Also; we discuss Chick Filet going drone! And finally a not-so-minority report. How your credit and your debt will one day determine your virtual sales experience. Enjoy this episode and as always enjoy your business time!!!