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From everything I have read, and a lot of my own opinion:
Overdrive appears to have a lock on the Library market. The library contracts with Overdrive to provide the EBook / Audio book download. Overdrive owns the media, so I would expect the books would be the same wherever you go. The number of books you can download is limited per library, so I expect the more cards you have the more you can download. But how many can you read in two weeks anyway...
Robert
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