As for the difficulty, I've got some good news for ya then. Try Pressing start when the quote plays. Then when it finishes, press it rapidly as you slowly navigate toward the card. Makes it loads easier.
We actually tried to play honest without that pause trick (probably mostly because I was driven so nuts I totally forgot about trying that) but we managed to get it eventually! And I enjoyed Rita's costume on Cheria for a while!...a while, that is until I realised again that the AI couldn't survive more than a mere few seconds with her which made her completely useless in battle.