A caller during Tuesday’s Visa segment stumped Cramer with Heartland Payment Systems . So he did the research and returned with a call during Wednesday’s show.

Heartland Payment is a credit and debit processing-services firm, which also handles payroll and check management for all kinds of merchants. While the industry as a whole is bottoming, a security breach at Heartland in late 2008 is still a big problem for the company. It could be liable for the breach, and we don’t yet know how much it will cost.

That’s why Cramer called this “pure speculation.” Until investors know the extent of those liabilities, he can’t get behind Heartland.

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Dear Jim: You always seem bullish on Verizon. I know it has a good dividend, but the stock value never seems to move much ... I have owned it for several years and am hoping it may claw its way back up. Do you think it has much hope, or should I just sell and buy something else with more tsunami potential? --Martin in Massachusetts

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