Things to note about Holidays:
• USA and Canada have different holidays
• The term (observed) means the day the holiday is celebrated and is not necessarily the traditional or “real” date. Usually banks and most government offices are closed with no mail delivery, Etc. Note: If a federal legal holiday falls on a Saturday or Sunday… Most Federal, State, City, Postal and Banks will close the day prior or day after if a holiday falls on a Saturday or Sunday.
Holidays in the United States
Holidays in Canada