Should I keep the white card out when I bounce flash?

I do. That's because that little white card that slides out next to the flash head helps keep a little bit of light from being lost. More importantly, it sometimes provides just a bit of catchlight in the subject's eyes (the bounce directly off the card). Some photographers go further and mount a larger card on their flash head. Some of the Honl and Stoffen accessories are essentially large variations of this.

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