um, I'm not known as a fan of paypal, but need to correct something. PayPal was not ordered to pay back money. Settlements are not judgements. Under the terms of the settlement, paypal agreed to do so under the provision that it be known they did nothing wrong. Accepting the payment from them means, specifically, that you agree with that. The amount agreed on is further reduced by the fees of the atty's involved -- roughly 22% of the total. Paypal is not governed outside of California by any money handling laws. They do not have governmental oversight. They are also the largest organization handling such money exchanges, and paypalsucks.com is maintained by folks who have an active interest in seeing it fail -- not exactly, um, netural in the issue. IF you want to do business online, you generally need to deal with paypal in some form or other, and their TOS is no better or worse than Renderosity's. Personally, I prefer just about anyone else. But I'm also a realist.

thou and I, my friend, can, in the most flunkey world, make, each of us, one non-flunkey, one hero, if we like: that will be two heroes to begin with. (Carlyle)