I normally do sorta a combination of both. What has been working for me is to fold/stuff to about 3/4 full then fill the rest of the way will well rubbed out bits. It seems to work best for me. Lights easy, stays lit pretty well, and burns long. Its kinda trial and error till you find what you likeC&D Speakeasy in Big Ben Patriot 16. First time with Navy Flake, interesting experience, any advice on loading? Do ya'll fold or do ya'll rub it out ?