I will be having Verizon install CableCARDS into my new Tivo HD on Friday. The CS rep said that she would have the cards mailed to me, or that I could pick them up. From what I have read on this forum, I knew that is NOT the case, so I asked her to check with someone else if a tech install was needed. (I thank everyone here for all the invaluable info!) As expected, she came back and said that it was, and that the customer is not permitted to do their own install. So, I am hoping that the install goes well!