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Jeff SFYI- This probably has little bearing on most of you, but eBay will let a high feedback person slide on their first NPB -- for instance, I was hit with an NPB several months ago--particularly bizarre since I had received the card in the mail a week earlier. I didn't have records (it was a $5 card), but I e-mailed eBay and said "I have the card! This is silly!" and got a form message back saying, "Okay, we believe you because of your high feedback and we'll cancel this one from your record."