Thanks a lot Don(Adman) ! Considering this economy....I like your option 2 from your first post...which was:
"2) Offer program to participating businesses at NO Charge. This prompts them to offer better discounts. Then, sell the Cards to Employers for $10 or down to $5 per Card if they buy a bunch. (One gal last year, went right down the street, business to business and sold 1 to 10 at each stop)"

I tried to send you a PM but I'm not able to yet because I don't have 10 posts since I'm new to the forum. Would you please email me at [email protected]? I really appreciate your input/experience. Have a great day !