… preliminary approval, or likely in early 2013. Write to Andrew Johnson at andrew.johnson@dowjones.com Write to Karen Talley at karen .talley@dowjones.com Subscribe to WSJ: http://online.wsj.com?mod=djnwires Copyright © 2012 Dow …

… preliminary approval, or likely in early 2013. Write to Andrew R. Johnson at andrew.r.johnson@dowjones.com and Karen Talley at karen .talley@dowjones.com Subscribe to WSJ: http://online.wsj.com?mod=djnwires Copyright © 2012 Dow …

… today's ruling changes that." A J.C. Penney spokeswoman could not be immediately reached for comment. Write to Karen Talley at karen .talley@dowjones.com Copyright © 2012 Dow Jones Newswires

… presentations and the company's grand revealing of its store-within-a-store concept in January. Write to Karen Talley at karen .talley@dowjones.com. Copyright © 2012 Dow Jones Newswires

… foot and productivity than the rest of the department store, said a person familiar with the matter. Write to Karen Talley at karen .talley@dowjones.com and Dana Mattioli at dana.mattioli@wsj.com. Copyright © 2012 Dow Jones Newswires

… ended April 28, sales grew 5.9% to $16.86 billion, with profits rose 1.2% to $697 million. Write to Karen Talley at karen .talley@dowjones.com Copyright © 2012 Dow Jones Newswires

… what's lacking. But it's not that people don't know they need to spend less, they just need to modify their habits," says Karen Carlson, director of Education for InCharge Debt Solutions. "Impulse control is just as important when it comes to money …