[Leon]

To me it's like having a Mastercard AND a Discover. Some places don't take Discover, which I always try to use to get my 2% back, so the Mastercard is much needed. I think at least having a paypal account is critical in today's buying and selling environment, hence the 2 deals that didn't go through, Rich. Also, since Paypal is now reporting when they are used for $20K and 200+ transactions per year, I am more likely to want a check if it's ok with my trading partner. Just my 1.2 cent. Also, I rarely keep more than a few hundred dollars in paypal. I would rather have it in my bank.