Doug, you are completely correct. I run my own business as well. When someone pays me by credit card, I have to bite the percentage as well. If you want to accept paypal, you have to be willing to accept their fee as well. I know I have posted asking as a gift as well, and I will stop as well. The nice thing about paypal is that it is instant money. I have a Paypal debit card attached to my account, which immediately puts money in my pocket. Small price to pay for a no risk transaction. Good job.