Right. You don’t have anything to explain because there’s no difference on Paypal’s end, there’s no logical defense for why it should change. The theme in every thread is why in the world PAD was changed with no notification from PayPal. If I wanted to know that it changed from 14 to 10 days I have to google a help article for that instead of reading your comment or receiving any kind of notification that this would be changing. PayPal didn’t even bother letting longstanding customers know that it was changing I received no notification of any kind.
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