Excuse the late post, as I am sure this is posted somewhere but I dont want to read for hours. I was big into MS about 2 years ago. My trick was USB cards from Ralphs, and getting $999 MO from Wal Mart. Is this still a viable option? I left when EVERY SINGLE USB card had "fraud" and had to be replaced. Still have nightmares about it. Is that gone? Is it safe to say things are normal again?