My name is beth. I thought I had posted in this thread but i must not have hit the submitt button. I have been using PayPal for sometime now. I love the knowledge base this forum has to offer. I have used it as a 'tool" . Many years ago when I opened my first PayPal account, customer service and "lurking" here enabled me to get comfortable enough to use PayPal on a regular basis. Now they have so many choices and you can use it everyday... it has come a long way. It has been a pleasure to be here, and I hope to see you on the boards!