The
Overdrive software is available for Mac, and on my Win7 PC when I clicked on the acsm file it automagically opened in Overdrive. Probably is an iApp you can use on the iPad, too.
Now Kindle is a slightly different ball of wax because of the DRM issue, and really isn't supposed to be discussed at this site but once you get Calibre and the right tools installed it's a piece o' cake.
I am surprised my CC company hasn't called yet. So I decided to be proactive and call them to put a note on my account since I'm working the next few days.