Using eBay: Security

　　In order to make buyers feel safer when making purchases on eBay, all tangible (有形的) items are automatically insured for $200. A recipe that was supposed to be delivered to you via e-mail is not considered a tangible item.But if you purchased a set of speakers that never arrived, and you go through the dispute process and eBay determines you were defrauded (欺骗)， you can get your money back up to $200.

　　Buyer Fraud

　　Buyer fraud is typically less damaging than seller fraud. The most common type of fraud a buyer can commitis simply not paying for an item. Sellers can deal with non-paying bidders by filing an Unpaid Item dispute. eBay will then attempt to contact the buyer and get her to pay. If she does not respond to eBay's attempts after eight days, the seller is reimbursed(赔偿) for eBay's cut of the final sale price and can relistthe item for free. If the buyer does respond, the dispute can end in one of three ways:

　　The buyer decides to pay, and everybody's happy.

　　The buyer and the seller decide together to abandon the transaction,the seller gets reimbursed for the final-value fee and relists the item for free,and everybody's happy.

　　The seller decides noe to deal with the buyer, the buyer gets an unpaiditem strike against her, and the seller gets reimbursed for the final-value fee and relists the item for free.

　　In the end, the damage to the seller is relatively small. Another type of buyer fraud occurs when a buyer sends false payment. In most cases,this is in the form of a bounced check, and the seller finds out about it before shipping the item. Bounced checks are as common on eBay as they are in the rest of the world, and many sellers choose not to accept personal checks for this reason.

　　Seller Fraud

　　Seller fraud is what most people think about when they worry about using eBay. There are two main ways in which a buyer can be defrauded by a seller: The item the buyer purchased is dramatically different from how it was described in the listing; or the item simply never arrives.

　　One thing to keep in mind when you think you've been defrauded is that miscommunication is common on eBay.For instance, if you didn't read every word of the auction listing for your item, you may have missed the part that said the seller would be out of town for three weeks and wouldn't be able to ship the item untilshe returned. This could be why you don't have your item and the seller isn't answering your e-mails. Also,e-mail is not the most straightforward form of communication. If your item hasn't arrived after two weeks, and you've e-mailed the seller but haven't heard back, it's a good idea to check your junk mail folder. Your seller may have sent a response e-mail that just never made it to your inbox. If there's nothing fromthe seller in your junk folder, you can request that eBay reveal your seller's phone number so you can give him a call and see what's going on.

　　If you don't get an answer to your phone call (or if your seller lives in another country and it would cost too much money to call), your next step is to start the dispute process. When a buyer believes he has been defrauded, he can file a complaint, and eBay will work to solve the problem. When you file a complaint in eBay's "Item Not Received or Significantly Not as Described" system,eBay will act as middleman between you and your seller to try to settle the dis pute. lf that fails, you can file a claim to get reimbursed for your purchase.

　　1. Which of the following may be banned by eBay overseers?

　　A) Virtual dates.

　　B) Any over-priced products.

　　C) Priceless antiques.

　　D) Rare animals for pets.

　　2.Sellers have the right to refuse the deal if the offer is lower tban__________________.

　　A) the minimum starting bid

　　B) the reserve price

　　C) the average market price

　　D) the wholesale cost