[stingraycharles]

That isn't really an answer to the question OP was raising, although I do sympathise with you. Having said that, Paypal is known to be very evil, and because of this I do expect people whom are still using Paypal consider this behaviour a calculated risk, rather than a surprise.

[makemoniesonlin]

'who', not 'whom'

[stingraycharles]

Thanks -- as an ESL'er, this is one of the more tricky aspects of the language to me.