all right. some good news, if we can call it that. you're about to get a pretty good break on those pesky credit card fees. starting in august, you're going to be a lot more protected from a whole bunch of those credit card fine-printed headaches. christine romans joins us here. i love any script that has to do with an economic story that starts with good news. so there is good news. let's go with that. but still, a lot of people are hurting. it's still bad news if you're behind on a credit card, but this can help out. >> my warning here for repeat violato violators, people who are repeatedly late, it's not going to help you very much. it's for people who are getting gouged by late fees, in many cases much higher than the minimum payment you were late on, for example. so this is -- i would call it the finishing touches on overall