We have a hunch how you're spending this Super Bowl Sunday -- and how you're spending your dough. And just when you thought there were no more possible credit card fees, a new one is in our midst. Plus, can bailing out underwater homeowners help the housing market recover faster? We ask a banker how you can make your re-fi and loan mod requests stand out. We've also got stories on a credit card for former substance abusers and dancing during lunch.