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Teaching them to swim. they need to get in the water. the best time to too that is while theyre still under your influence and you can teach them thousand use the credit card. >> rick: there are new rules out meant to protect young people, a lot -- i remember when i was in college and the credit card companies set up these tables and hand out hats and all these kinds of things to get you to sign am for a credit card. but a lot of kids dont really know what theyre signing up for. so new rules mig...