So what's "Immoral" about it? If "Bill" wants to offer 10% - 15% of guide for a chip so "Bill" can make a profit on it, what's Immoral about it?

If you go to a flea market or an estate sale and someone has $5000 (guide value) in chips and want's $50 dollars for them, do you stop and tell them "NO", I won't buy them since they are worth $5000?

If an eBay auction is mislabeled and you end up buying a high value chip for pennies on the dollar, do you contact the seller and tell them that you own them $$$$$?

I have done this many of the things above knowing I got a good deal, heck it even happens on this board where someone has a chip they know nothing about and sell it cheaper that what they could get for it (Can anyone say Sam's Town Halloween $5.00 set? or Brighton $2.50 chip for around face value).

Remember a Guide is only a "guide" for value, it's not the "bible" or a 'catalog' to order chips (the value of a chips is what YOU will pay for it). I have a great deal of respect for the publishers of guides but they don't control the market value of a chip.

I don't blame "Bill" for asking, I've always had the philosophy that if I'm buying for my collection (hobby) I find no reason to ask for a discount or try to get something cheaper. In my opinion, there are more immoral things that happen in this hobby that are worst than low-balling a seller.

If I'm wrong and this is against the Clubs Ethics, then I'm sure many of our members would be kicked out of the club.