@Transactional
  public HolidayCard findCurrentHolidayCard(User user) {

    Calendar calendar = Calendar.getInstance();
    calendar.setTime(new Date());
    int currentYear = calendar.get(Calendar.YEAR);

    HolidayCard holidayCard = holidayCardDAO.findByUserAndYear(user, currentYear);
    if (holidayCard == null) {
      holidayCard = createUserHolidayCard(user);
      holidayCardDAO.persist(holidayCard);
    }
    return holidayCard;
  }