I think I should point out that putting in listings that the buyer is responsible for items damaged or lost in the post is utterly pointless. I have had this disclaimer in my listings for a number of years, but the first point of call for the buyer if an item is lost in the post is to put in for an 'item not received' with Ebay followed with a claim to Paypal after. I have had only 2 or 3 people out of about a dozen missing items who have asked for my proof of posting to be forwarded for a claim. The only way Ebay/Paypal won't remove funds pretty much stright away to refund the bidder is if the seller has used a 'signed for' or courier service, which would cost even more for the already fund squeezed seller. I have started to add an option for winning bidders to take added insurance but so far NOT ONE PERSON has taken it up.