Admins, Editors, and Contributors are able to create new Cards and create new Playbooks.
Participant users are not able to create new Cards, but are able to create their own Playbook to organize existing Cards.
Observer users are able to view playbooks but are not able to create new ones.
Please note: Admins and Editors are able to edit and manage all Cards, regardless of if they originally created them.
Contributors are only able to edit and manage the cards that they created.