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We all summer he's not just some nut who went berserk, but he had a reason. these guys tend to see themselves as victims, victims of injustice. he felt he was bullied, a victim of racism, not just at this job, but at previous jobs. it's important we all understand he was a good guy who was getting revenge, he was punishing those that harmed him. so it's important for him to broadcast that. he's not the first to send letters and videos. the live element of this, of course, is unusual. ritz interesting, he did two things nen 23-page manifesto, he references the virginia tech murders, sort of, ...

Conditions. kids can't get the credit cards any more. unless they can show they can pay down the debt. and no more over-the-limit fees, unless you opt in. there's a huge amount of changes going into effect on monday. >> really good for consumers and the reason they were there for credit card companies is they made them money. to the tune of like $12 billion, okay. so how are they going to recoup these losses? >> ritz interesting. because any time there is this legislation, the credit card companies will find ways around it and they gouge you in other ways. in anticipation of this legislation g...