emz, if ole Val can get the buisness plan going on all fronts I can see where this card can come into play. BUT without the other ducks in a row I just can't see folks passing up walmart or even walgreens to Kroger here in TN to call or order a card. They can touch and feel the products in these stores and buy them right now. I still own some OTOW so I hope Val can pull that rabbit out but my feet are grounded and trade the big boards with most my cash. Pennies are fun no doubt about it if they work out!