LGB analog and digital

[two tone]

The first bit of your question sticker means you can put in the card and plug it in then prgram your controller.  Second some locs will run both ways with a card installed   By card I mean a small controll board.   Hope this helps

[icepuck]

I now have an LGB 20232 2-4-0 that came in the UP starter set. On the bottom of the loco is a little white sticker that says "direct decoder", does this mean it has the MTS decoder or does it have to be installed? This is confusing becasue I have an LGB xmas street car and the sticker on the bottom side of it says "analog + digital". Can someone clear this up?