Hero and Elite Hero cards can only be use to create a new character, and only if you have an existing character that is already level 1000 or 2000 respectively. Their purpose is to create an alt with some starting skills so you don't have to go through the entire low level grind again.
Raymond James Review | History of Raymond James Financial Services. Raymond James is a full-service investment firm with statistics that speak for itself in terms of both its historical presence and current business activity. Started in 1962, the present company was created when Raymond and Associates and Robert A. James Investments merged in 1964.
M stands for Marwick. James Marwick founded the accounting firm Marwick, Mitchell & Co. with Roger Mitchell in New York City in 1897. G is for Goerdeler. Dr. Reinhard Goerdeler was for many years chairman of Deutsche Treuhand-Gesellschaft and later chairman of KPMG. He is credited with laying much of the groundwork for the KMG merger.