Thank you for your reply. On my receipt in PayPal, it looks like the fees were also included in what was sent to Friends & Family recipient? I included applicable fees to what I sent, so recipient would not be charged any fees. It's very difficult to figure this out: I've called PayPal and read all their articles and still am confused? So, I've just emailed recipient to ask me how much they actually received, as that's only way I will know for sure.
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