1*1:0:1:0:0:0*NBD,BD1,IBD,FD1   = New Year's Day (Saturday)
 1*1:0:1:0:0:0*NBD,BD1,NBD,FD2   = New Year's Day (Sunday observed Monday)
 1*1:0:1:0:0:0*IBD               = New Year's Day (real)