bottom of the hour now. welcome back, i m randi kaye. here are the stories we are watching. visa, mastercard and the biggest banks agreed to a historic settlement that totals $7.25 billion. it centers around credit card swipe fees. credit card companies were fixing the price of the fees. retailers will see the fees reduced temporarily. this settlement may cost you more when you swipe your credit card to pay. they will tack on a surcharge for credit card purchases. there s a but to that, too. let s bring in a lawyer for the national association of convenience stores. he s on the phone with us. good morning. good morning. help us break down the stet lment. who is the real winner here? is it the retailer? unfortunately, it s not. the only winners are visa, mastercard and their banks. they have gotten a hall pass if this deal goes through. it s not a done deal. it s a proposal now. they have a hall pass to continue to raise their swipe fees without restraint and not have an