I have used and will continue to use Guardian for FB. They are one of the few books that aren't scared to take a bet. I routinely make 2-5 dime bets by phone (although only $500 max over the net). They take the big bets over the phone w/o all the BS that a lot of books pull (checking with manager, checking over DB, etc.). They take the bet and pay if you win. I only deposit/wd by NETeller there, so I can't speak about a cashier's check method---but I've always been paid promptly by NETeller when making medium 4 figure payouts. I assume they'll offer the 50% matchplay/move the line 3 pts reload bonus again this year, doesn't get much better than that.