I have a Premier XL and my cable company Midco is doing an analog to digital conversion in my area. I've been having trouble getting the new digital channels to show up with a program listing. And TiVo has been no help at all, I got a message back about how they can't support cable sub-channels. While re-doing guided setup for the hundredth time I read about the M-card. It says you need to have a M-card to get digital cable, but I thought the M-card was for encrypted channels? Is an M-card the issue preventing me from getting my cable channel listings?