you probably won't ever have a problem on your site, Sharen. Most people don't. Its just important not to break the adult rules on Paypal, or this kind of thing happens. I just wanted to clarify its not Paypal, its a much bigger problem with VISA cracking down on sites with adult content. It is related to the high chargebacks the adult sites get. the problem is... its hard for a clerk to know a difference between an adult site and a poser site that's just doing a little fun sexy images and offering a few textures/models for sale. The idiots making the decisions about the TOS are only following the rule to the letter, not thinking about why the rule was imposed. Chargebacks are not a huge problem on most of the Poser sites that I'm aware of, not like it is with adult subscription sites. But the rules don't take the difference into account.