An R-Card is a pointer to the data that the user and vendor jointly created.
The R-Card is a super-set of the Info-Card.
R-Cards provide a pointer to data that I, as the user, can edit.
The R-Card represents "Real World VRM and the Personal Store".
The reality is that our data is scattered across the Internet and R-Cards offer the opportunity to re-use data that is held by vendors.