so merry cristmas. gerri: i want to ask you, what should consumers be doing, if anything? you said asked for more investment in some of the securities. but that will not be enough obviously. shall we be paying in cash everywhere we go and not to sign up for these affinity cards? and this is something that people are going to take seriously. >> i believe tht they are going to take it seriously. >> you know come at the end of the day, someone takes a 20-dollar bl out of your wallet come you have no rights at all and it's gone and you're never going to get it back. and someone, if they use your credit card or debit card information fraudulently, you will get it back. i still like the protections and the affordable capacity of plastic. gerri: if you take my $100, it's gone. but if you take my credit card come you can steal my identity and the pain can go on for years. gerri: it is old-fashioned, but it works. >> it does work. and that is the bank's money that is going to get stolen and not my money. gerri: i will show you right here. here is what we like. >> i've never seen on