one department store not faring so well was j.c. penney. june sales were disappointing. the company cut its quarterly earnings estimate, and the stock fell more than 1%. this jump in june came when penney's announced the head of apple's retail business, ron johnson, would be joining it as c.e.o. this fall. "the wall street journal" reports his role will be limited initially to marketing and merchandise at first. teen retailers heated up. zumiez shot up 10%; american eagle and aeropostale gained at least 6% each. this final note on retailing-- credit and debit card processors visa and mastercard added about 2% each. visa expects revenue to grow about 10%, despite the federal reserve's new cap on what banks can charge retailers for accepting debit cards. customer services firm apac will be going private. a private investment group of j.p. morgan will buy the firm for $8.55 per share, a big premium over last night's price, sending shares rocketing up more than 55%. volume exploded, too. and that's tonight's "market focus." >> susie: the nation's housing crisis is creating a