>>Thinking about this a bit more, you may have to deal with state holidays for payroll purposes. Each state can mandate payroll and employment laws in addition to the Federal Government.
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>Craig,
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>Our inhuman resources dept has stated that only Federal days will qualify. That is why I only need to look up the Federal ones. But depending on the site, there are different days 'Observed'.

We're living on a border here... namely, if you move a few miles in any direction, you may find your self amidst confederate sympathisers, or their oponents. Thus, the same school observes Columbus's day one year and then doesn't the next year, because the principal changed. It all depends, and is easy to code :).