ok doesn't it say also something about the seller makeing a % of the insurance ?i could be wrong and for your information ,it takes me sometimes up to four and sometimes more .was spending more on the listing then i was making !this is a god sent and i'm glade i found it,or i wouldn't be able to even list on ebay or anywhere else.i'm not the smatiest cookie in the jar,but i do know a good thing when i see it ,jeff & eveyone else at Auctiva keep up the good work!i need this sight myself.love ebay ,but can't stand too much moreon the fees.you must have alot more money in your pocket then i do.not to be rude ,but you can sped your money and i want to keep mine in my pocket please!!! 