Since when did using PayPal incur a 4% fee? I always calculate it at 2.9% +30c, or whatever PP lists on their site. But more than few sellers on various audio lists now request 4% for using this service. Is this to cover their own incurred costs? And I've had more than a handful of sellers point me at their own excellent feedback attesting their honesty while suggesting I use the 'gift' option if the fees are to be avoided! No irony there for sure. Welcome to the reputation economy.