I do research for a living and I researched the complaints from customers of Overstock.Com that showed that 10% + or - of Overstock.Com were scammed out of their money in the following manner. You purchase an item, 30 + days go by without any contact except that the product has been shipped. Product never arrives at the customers house/work/wherever. Customer contacts Overstock and their reply says they are sorry that you didn't like the product and that you returned it so there will be a restocking fee which eats up over half of what you paid for it. I was a client who got scammed by Overstock too. I saved all the emails and the receipts, etc. This same process was done to the tune of millions of dollars annually whereby all Overstock had to do was process the check, send 2 emails and refund (in my case, less than a third of what I paid for an item I never received because it was never sent). The numbers you quoted: "For every bad reseller apple there are 5-10 bad customers." are numbers you pulled out of the air and have no basis in fact. 5 to10 is what a first time criminal gets for a felony, who usually out on parole in 18 months. Bad sellers or resellers can scam thousands in the time it takes a bad customer to scam much fewer sellers/resellers. The numbers support this conclusion because if it were the other way around, most of the sellers/resellers would be out of business. The Gnome