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Beach-gunner
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 Would agree with Buford.  An added opinion, if the Seller is taking advantage of a smoother more liquid market by using PP why shouldn’t the seller absorb what ever expense (3%) in most cases?  They could add to price and net what they want.  Buyer could also agree to pay listed price and ask Seller to pay the 3%, if Seller wants to walk away providing no insurance for the buyer over 3%; that seller really doesn’t want to sell the item.