We discuss whether credit card penalties are ethical, and whether they should be legal. We also examine electric vehicle subsidies, Donald Trump's take on healthcare, and the intelligence of rats. We speak with Bloomberg Opinion columnists Erin Lowry, Frank Wilkinson, Chris Bryant, and Faye Flam. Amy Morris hosts.

Introducing 'Here's Why' - Complex News Stories Explained
00:30

Airline Mergers and Restaurant Loyalty
35:20

Fossil Fuel Use and Drug Development
35:28