how one man was rescued just hours from death. good morning everybody. i m randi kaye. we start this hour with a historic credit card settlement that could have you paying more out of your pocket. if you re just joining us, here s the deal. visa, mastercard and some of the country s biggest banks have agreed to a massive settlement with retailers that totals a whopping $7.25 billion. the lawsuit centers around credit card swipe fees. merchants allege credit card companies were fixing the price on those fees, but the proposed settlement now gives retailers the green light to tack on a surcharge if you use plastic, which could mean a bigger tab for you. and there s much more when you read the fine print. douglas canter, a lawyer for the national association for convenience stores has read all the fine print and joins us now from dc. doug, you have said it is not the retailers or the consumers, but actually visa, mastercard and their banks that win out in this one. why is that