Thanks, George. I finally found the answers to my questions on the net.

CTK900 does NOT have smartcard but we can record songs, etc inside the keyboard memory and transfer to/from computer via midi cable using CASIO software.

WK3200 can also do that. In addition, the smartcard provides extra storage capability.

BTW Guitar Center still does price match but only from authorized dealers. Music123, SamAsh are considered authorized dealers even though they are internet stores.

But their return policy is changed. No more moneyback for 30 days but only store credit. If moneyback, there is 15% restocking charge.