I'm retired and have taken up N gauge for something worthwhile to help pass the time!  I am very interested in the Spectrum #81662 4-8-2 - NC&StL - that is advertised as "DCC Ready".  Does this mean there is a circuit board in the tender, as I've seen photos of in some of the discussion topics.  Also, I was wondering whether all eight tender wheels have pickups?  I do hope someone out there can help.