Sorry to hear those tales of woe...
perhaps things will come around for the better, soon.
I don't really have any good advice about buying off scans...that's the way most folks buy things nowadays, and I wish there was a way to better approximate the in-person examination...
Just out of curiosity...what $88 card did you have to part with for $3.25? through a low-reserve Ebay auction, or did the card's market collapse?
May your next purchases work out better!
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