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Now Playing: 01-21-14 Marketplace - Picking up the tab for fraud

With mass credit card hacks in the news (looking at you, Target and Nieman Marcus), we take a look at who picks up the tab for fraud. Who's got a financial interest in credit card safety? Later, oil consumption in the U.S. grew more than in China last year, though thirst remains high in both countries. Finally, as departing Federal Reserve Chair Ben Bernanke weighs where to rest his hat, we look at a likely option: think tanks.