Thanks, I will parse the rest of the info later, but as for the value of old cards: they were worth one bottle of Jack Daniel's. I had a shoebox full that I got rid of my first semester of college, since they weren't doing me any good. Never expected them to, either.
Edit: Ok, I've had a chance to read through your replies. That cleared things up for me. I'm sure I'll probably run into some more questions as I look deeper into things and find more stuff added during my absence.