Can someone fill me in? We have to apply for ours withing the nest week and I don't even know where to start. Whats the difference between the card and the book? Do I need both? Which is better since I'm going to change my name? We're getting married in November and not going on our honeymoon until the second week of December or maybe even spring break 2010..... Should I wait to change my name until after the honeymoon? can you hear the confusion in my frantic questions? Hahaha. Thanks Ladies!