I guess I'm dense, but if I want to pay with pay pal... why do I have to supply bbay my cc info? I already did that with paypal. I tried to get a membership at bbay last night and I got tossed all over the place, only thing I could see was they wanted a cc. Then I tried to buy something else and came up with the same thing. Idiot proof... gotta make it idiot proof for folks like me. The easier you make it the better sales will be, you will catch the impulse buyer like me.