Enough is enough. I had a freelancer run away with my money without ever delivering and PayPal decided in his favour after thinking for 3 months. They can't make a decision if the goods are intangible. ******** them! I've been with them since 2004 and almost quarter of a million went through my account and every time I had a problem they've screwed me. God knows how much they've made from me. If they don't appreciate my business then screw them. So I've decided to close all my accounts and start using alternative services. But can a webmaster actually survive without PayPal? I thought about it and it's proving to be pretty difficult. I think I may well lose more potential money/workers than the money that PayPal periodically steals from me. What do you think?