Am I misunderstanding something? I have to sign up, <i>buy</i> credits, and if I lose an auction, I then have to <i>refund</i> the unused credits? What a waste of time and effort. I'd rather bid in an accepted currency, not some web site's funny money. (Sad, too, because I'd really like to bid on the book, but can't be bothered with all the buy/refund hassle.)