This is a fine review, but I do have to say that I'm sad to see that this is a direction that 3PP are moving with 4e. I was fine with the 'card' system presented in 4e. I thought it was just a new way for players to organize and track their abilities. But, when WotC started producing booster packs of cards of abilities, then I think they're moving far away from a DnD game that I want to play. I'm sorry to see that 3PP are just picking up on that bad idea.