def bank_holidays
      @bank_holidays ||= begin
        holidays = [ new_years_day,
          mlk_day,
          washingtons_birthday,
          memorial_day,
          independence_day,
          labor_day,
          columbus_day,
          veterans_day,
          thanksgiving,
          christmas
        ]
        if Date.new(year + 1, 1, 1).saturday?
          holidays << Date.new(year, 12, 31)
        end
        holidays.freeze
      end
    end
def bank_holidays
      @bank_holidays ||= begin
        holidays = [ new_years_day,
          mlk_day,
          washingtons_birthday,
          memorial_day,
          independence_day,
          labor_day,
          columbus_day,
          veterans_day,
          thanksgiving,
          christmas
        ]
        if Date.new(year + 1, 1, 1).saturday?
          holidays << Date.new(year, 12, 31)
        end
        holidays.freeze
      end
    end
Initializes instance from a given year
 Returns the federal holidays for the given year on the dates they will actually
 be observed.