I upgraded to a HR20 this past Saturday. It has worked until today, when all of a sudden the screen went black and the message "insert your access card" popped up. When I went over to the unit, I pushed in the access card, programming came back on, but when I removed my thumb from the card, it went off again...... As long as someone is pushing in on the card, everything is fine. Its kind of like the old days and having to hold the rabbit ears in just the right spot. :lol: D* is sending me a replacement unit next week. Has anyone heard of this defect? I assume the card reader is messed up?