Access to affordable credit helps me pay my employees, but I don't really need it.

Infliction is killing me!

But who cares? Big retailers are making record profits!

That's why we support the Durban Marshall Credit Card Bill!

See? Banks and credit unions help small businesses make payroll.

This bill would cut the vital resources they need.

While increasing megastore profits, they deserve it. Don't they?

Tell Congress, stop the Durban Marshall money grab for corporate megastores.

Paid for by the Electronic Payments Coalition.

Here's your closing bell brief for Tuesday, April 21st. I'm Catherine Sullivan for the Wall Street Journal.

U.S. stocks fell today as geopolitical uncertainty weighed on the major indexes. The NASDAQ, the S&P 500, and the Dow were all down 0.6%. Higher oil prices and mixed signals from peace talks in Iran fueled investor

caution. Markets also monitored Kevin Warsh's confirmation hearing for Federal Reserve Chair.

Among individual companies, Apple shares slipped 2.5%. The decline followed yesterday's news

that Tim Cook will step down as

chief executive. John Turnus, the head of Apple's hardware division, has been named as his successor.

United Health shares jumped 7%. The company reported earnings that surpassed Wall Street expectations.

It also raised its profit forecast for the year.

Velo 3D shares jumped 31% after the 3D printing company announced it will partner with Andretti

performance to provide sponsorship and technology support to two international motorsports association

events. And SJ. Semiconductor shares soared 290% in their Shanghai debut.

Investors flocked to the chip assembler to support regional artificial intelligence ambitions.

Heads up, an artificial intelligence tool helped us make this episode

...