i put it there even if it comes in in triplicate.mebody that doesn't get the message. >> and the fraud alert will keep anybody from opening a new account in your name. here is what happens, they open up an account in your name, they change the billing address and so you're getting -- your name is getting whacked all over the place creditwise and you don't know it because you're not getting the bills. >> that's not fail proof, but it's better than nothing. >> you need to check your debit accounts. a lot of people are paying their bills online and you want to protect yourself. >> you really do. you need to monitor online every week after a security breach like this. your credit card statements, debit card statements and be sure that nothing unusual -- >> let me stop you right there because we're having with audio problems and you're starting to sound further and further away. we'll try to work that out and get back with daria and ken right after this. [ female announcer ] investing for yourself isn't some optional pursuit. a privilege

i like catalogs in triplicate, all addressed to the same person. that's not a waste of trees.k for some of the headlines we're watching this morning. good morning to you again. >> good morning, erica. good morning to everyone at home. >>> the mississippi river crested in memphis 11 inches short of the record a set back in 1937. the city center in memphis was spared. mark strassmann is in memphis this morning with the latest. hey, mark, good morning. >>> hey, jeff, good morning to you. the fact that the river has crested is a milestone, more of a psychological one than anything else. day-to-day, you don't notice the difference in the mississippi. people know it's not going to get any higher. it's astounding how high it is, 14 feet above flood stage. but at the least, it will stay where it is and gradually go down. the good news -- the levee systems do seem to be working. they have had to evacuate several thousand folks here. there was another message of holdout today that they're making a mistake. >> what we're seeing here in memphis right now is that the river is historic leve