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PayPal has already lost one class-action suit. Hate to use the "R" word, but there needs to be some regulation in this sector of the finanacial industry. They're operating in new, uncharted territory, and they pretty much get to make up the rules as they go along.
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"You go to the track with the Porsche you have, not the Porsche you wish you had."
'03 E46 M3
'57 356A
Various VWs
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