If they have to use stickers I prefer these designs that use the placard under the card to make it look and feel almost on card. I still would love it if they didn't do stickers at all, but I understand why it is done. It is more convenient and probably more cost effective than on card.Jason - you are right. It's a placard under the card. It's one step above a sticker, and one step below an on card...but I love it!