I don't want to confuse or muddle this thread but Monica should know that any bitmaps placed on the Biz card will be still RGB even after exporting as PDF. Also that other RGB effects like feathering, shadows and any Live Effects will also stay RGB, which is no big deal, but it should be remembered, as normal software that is used by the printer will be RIP'ed. Other things that Monica should do is to use layers in her card with the text in the top most layer in the layer stack for cleaner printing. There has been loads of help given on this subject by Minimiro and if Monica does a search on CMYK and specifically looks for his replies she will gain a lot of good info.