own money out of a checking account. we've reported many times that checking fees are here just to use a checking account you will see fees. that's pretty much the way we're going. >> people need to be aware. check it out. fees may be there. you need to figure it out. you are here. a lot of folks want the iphone. they can't get the iphone because they're not with a particular company. at&t. that is about to change. it's good news for all maybe. >> at 11:00 a.m. on 1/11/11, verizon will announce it will start selling the iphone. we know apple shares were up big on this yesterday. up again in premarket. at&t and verizon shares unchanged in premarket trading. this is a big story for apple users. a lot of analysts expect that apple could sell 12 million iphones on the verizon network. at&t sold 11 million in the first nine months of 2010. there are a lot of big questions among them can verizon handle