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We've separated everything. we're basically roommates. so we have to get on one budget and have some shared goals from the future. they remembered their vows when the preacher said, and now you are one. he didn't pronounce them as a joint venture. >> dave, i wanted to talk to you briefly about the four myth busting truths about money. number one, millionth or truth, credit cards are safer than debit cards. dave? >> we hear all the time that debit cards are not as safe as credit cards. a debit card has two possible uses. one, you can enter your pin and it's acting like an atm card or you can ru...

Exchange fees that these credit card companies charge the per chapt and then it gets passed on ultimately to the consumer. what i think this does, this settlement and the legal discussion is it shifts the competitive balance from the visas and the master cards of the world to the merchant and to hopefully the consumer. this is a two-pronged approach. the merchants look as if they are going to win here meaning the small business owner. that's a good thing. they will be able to be charged less for the consumer using the visa or mastercard. but what i want to make sure happens in this settlement,...