Colin, if not too dificult for you, i'd like if you can send me the docs you have regarding credit cards.
I have it as graphics:
http://staging.funnygarbage.com/staff/colin/creditcard1.GIF
http://staging.funnygarbage.com/staff/colin/creditcard2.GIF
http://staging.funnygarbage.com/staff/colin/creditcard3.GIF
That's the formats for tracks 1, 2, and 3. Once you start swiping credit cards and looking at the data it should make more sense.
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