Need two paths of using paypal. A simple quick area of useage for the top 6 to 8 maybe 10 most popular processes. Then the other area that has all the other available functions. Please PayPal quit making confusion with fancy graphics. People don't do impulse banking & purchases when they're in their financial "mode". If it's needed & a good deal clients will return to purchase it. Fact eloquently & SIMPLY done non-confusing graphics are the most Effective by far