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I can answer the question of "what account". . . I think. The rep told me that with the 8G version you automatically have access to a wireless network (like the iPhones AT&T but I can't remember the exact carrier) and there is no additional monthly fee.
He also told me that you can download content in the approved formats via the USB cable. I don't know what that means with purchases from the B&N store but if it's like the Kindle, you should just be able to connect to the store and download. I wouldn't think that would allow book sharing, though.
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