i buy a fair bit off eBay international sites and have to pay in currencies other than the US$. so paypal gets the fee they charge the seller AND makes money by using currency conversions absurdly out of line with reality. but then buggers take it one step more -- i happened to do the currency calculation on my own based on their ridiculous rate, and it came out to an amount that ended in .744 -- don't you just know that they rounded UP instead of DOWN and charged me .75. not that one cent is going to be a drag on my cash-flow, but multiply that by millions of transactions . . . . i. hate. paypal. thanks for the space to vent.