When do you ever NEED the holiday items unless you are trying to look pretty. I've been f2p for about 3 years and I've never had much trouble with my bank. Stupid items like the ring, and the bouble *sp* you don't need to keep, same with the head, and if you are in dire need to have them just get them back, it isn't hard. On topic, I think it would be alright to finish the last row of f2p banks, BUT NO MORE!