i've ordered with my regular credit card over a year ago now, no problems... if i was to again i'd go with gift card method and order from maybe sensi seeds. Nirvana however pulled through and i was happy.
Yeah i was told around a 2:1 ratio 2700k:6500k and it has worked for me. It makes sense because the 6500's are a bit better spectrum for vegging. You could probably go half and half or whatever you'd like. I know 2:1 has worked for my plant. Maybe i can get some pictures.
robbin may i suggest you mix up both the spectrums during flowering. I've noticed that they seem to do a little better with a 2:1 ratio of warm bulbs to cool white. Just my experiences.