today. She explained the above, also, stated in Oct. if we list with free shipping we will receive reduced final value fees, and other benefits. I Ash her about my concern over pay pal as a bank, can they get into trouble as the banking community is in for a real bad crash. She couldn't comment, but said she would note the concern and run it up the flag pole. Hope they survive, don't under estimate these banking problems. Who knows where this crisis will end.