Pay Pal required if shipping out of Continental USA as soon as actual total is sent to buyer. Once items leave our home, we are not responsible. Ins. suggested. Other payments must be received within 7 days of purchase. No returns will be accepted unless we have mistakenly misrepresented item, and only the price of sale item will be returned. WE DO NOT FINANCE. ALL COMMUNICATION THRU E-BAY MESSAGE SYSTEM, please. We always offer gift wrapping, at no add'l cost. Thank you.