Being a person that depends on the secondary market I on one hand don't mind paying a premium to a dealer for a chip but I don't like being gouged. There are so many chips out there that I really don't need to deal with certain situations. I have read and listened to this board for sometime now and there are a few folks that make sense and have the collecting hobby in mind when they do things and others that don't. I am just trying to be an informed collector - thanks for the info.