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I sent a private reply to Sally. Everything Gary wrote is spot-on.

I'd only add: personally I always approach paypal via the link on the home 
page of ebay.com . The url should begin with "https" (for "secure"). One can 
and should forward suspicious msgs to paypal via [log in to unmask] , include 
the headers if you can-- other financial outfits probably have something 
similar.