buzby with regard to paypal your wrong you can have a personal and an business account, but what shocks me is that you try an justify paypal's actions, the guys is asking for advice, not to be berated by someone, he is trying to solve the problem and you accuse him of fraud! Paypal have on numerous occasions destroyed peoples businesses to the point of most american companies have lost faith in them and they have moved to the uk, since people think there 100% secure, there will always be people signing up, so they dont care if they loose other customers, as some poor gullible person will replace there losses. In the meantime all the "held" funds in limited accounts is accruing interest and paypal /ebay benefit from this. So buzby I have to ask do you work for ebay / paypal? as your very pro-ebay / paypal...............