Hi - its Anuj Nayar, senior director of global initiatives at PayPal. I have been reading this string with interest. We offer both buyer and seller protection to try and make sure we cover everyone. We do not always side with the buyer. On the restaurant payment side, we have been rolling out mobile payments solutions at places around the world, that let you check out and pay from your phone (inc tip). You are notified via text and email as soon as it goes through.