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How is Auctiva paid for?

I've peeked around and can't seem to figure out how this works......when I clicked on how this can be free, I read about insurance and such. Then I read the insurance can be turned off and that I could offer buyers regular USPS insurance. So if this program is paid by the proceeds of Auctiva insurance and I don't offer that type, how is my usage of Auctiva paid for?
I'm a better morning person so sorry if I missed it somewhere!
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