Hi devz
As you say this has been covered in lots of threads. The problem with what you ask is that as soon as names of cards start appearing in open forum for some strange reason we start having problems with that particular card.
Now what does that tell you?
It should tell you that the answers you are looking for are already out there and if you cannot find them you should consider using the PM to talk to some of the very clever UKers that exist on this forum.
If the clever ones wont help you then you can PM me
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