A method and apparatus for optimizing data record quality on a disk for a pair of read and write heads, in which the write head is bigger, by adaptively varying linear and track density of overlapping recorded tracks to achieve a target storage capacity. The magnetic head is formed with lower and upper pole pieces and a back gap structure which connects the lower and the upper pole pieces in a back gap region. Extracted payee data andor extracted payor data is stored in a data warehouse to allow a user to generate business-related information based upon the extracted payee data andor the extracted payor data. The method then employs digital signal processing to separate the carrier component from the digital signal segment to produce a baseband signal substantially comprising the information signal and the noise signal. This is particularly important in systems that employ fast imaging techniques such as fast spin echo, where the invention can speed imaging substantially.