JEWELRY SALES SHINE DURING OTHERWISE DISMAL HOLIDAY, BUT PROBLEMS MAY BE IN STORE FOR '96 Christmas 1995 was dismal for most retailers, especially apparel and discount stores. In fact, retail and financial analysts say the overall 2% retail sales increase between Thanksgiving and Christmas was the smallest since the recession of 1990. For jewelers and other luxury retailers, however, the news was better. A poll by JCK, interviews with the leaders of jewelry industry associations who surveyed their own memberships and a study by the International Council of Shopping Centers found jewelers did well overall during Christmas 1995. Some even called it their best Christmas ever. Among those with double-digit gains were Tapper's Diamonds & Fine Jewelry in West Bloomfield, Mich., and James Free Jewelers, Dayton, Ohio, each up 25%; Tiffany & Co., up 23%; the 99-store Reeds Jewelers

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