1 c d e or f or a subassembly as shown in fig1 a 2 and 4 a 2 which defines the functionality of the card to which is attached a hard coat subassembly subassembly b where the hard coat subassembly can be attached to the bottom and top sides of the core subassembly or to only one side of the core subassembly the u201c core u201d subassembly may comprise a a number of plastic layers attached together as shown in fig1 a or b a number of plastic layers with a chip and antennas a contactless u201c smart u201d card carried on one or more of the layers as shown in fig1 a 1 or c a number of plastic layers with a chip and antennas and a contact a contact or contactless u201c smart u201d card as shown in fig1 a 2 or d a number of metal plastic layers forming a hybrid card as shown in fig4 a and 4b or e a number of metal plastic layers forming a hybrid card with a chip and antennas formed on or within some of the plastic layers a contactless u201c smart u201d card as shown in fig4 a 1 or f a number of metal plastic layers forming a hybrid card with a chip and.