Point is.. Paul gets his money instantly. I'm going to pay 34 centa for a stamp and a few cents for an envelope and paul waits for days on the payment. Paypal I could pay $1.40 or whatever the fees are Paul gets it instantly and I'm done. If Paypal will only do $100 per month then that's a problem. But some form of electronic pament woulf be better (I think) for everyone. Plus Paul has funds right then rather than financing this endever out if HIS pocket.
The 34cents or 40 cents is not going to make a difference in me being 'in or out', my annual income will fully support either cost. 
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