I was expecting a typical Hallmark Christmas romance with all about the 2 leads & their stories. However the glue that holds everything together was the natural excellent performance by Clarke Peters as Clem, who owns a Christmas tree-lot. Autumn Reeser adds another classy believable role as a Mum who has crippling bills to pay from her Dad's medical treatments , being badly treated by finance companies who own the debt. Jesse Metcalf does pretty ok too as a recently-fired Investment expert who finds himself again & gets to give back to others at the best time of the year ! Less typical than most Hallmark seasonal films, and all the better for that !