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Joe: I think you're being a little naive.
Mary: If I want, I can protect myself by paying through an escrow account, which holds the money until I receive the item.
Joe: That proves my point! Protect yourself or you'll get burned.
Mary: eBay also offers free insurance. You can get a refund of up to $200 if you're not satisfied with your purchase.
Joe: $200? If they get a hold of your credit card number, you're going to be out a lot more than $200! I had a friend who...
