you are missing something- nowhere in those posts was anything saying that a forum for advancing business operations would not be welcome- the fact is- it has been suggested severakl times in several different threads, yet it has not been implimented. Rather- merchants have been shut out. All micheleh asked is "In what way is the policy being reviewed/revised? In what way is the original policy overly broad? What was the original intent? ... what about the implementation of a standard, legally binding contract ...?"