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Many thanks everyone.  This seller has a 97% positive feedback on e-bay.  I purchase from him in confidence as it seemed he was very reputable.USPS is also usually very reliable.  It is my understanding that all packages shipped through their parcel service are automaticlly insured up to 100.00, so no additional insurance was asked for nor recommended by me or the seller.  This seller has not yet proven the product actually did ship.  He has not even given me a date it supposely went out.I think he is un-happy with the low price his auction brought and has never shipped it at all.  I suspect he will offer me my money back as a way to settle the dispute and to get e-bay off his back.Once a "complaint" is opened on a seller, he has 10 days in which to resolve the matter.  If he does not, and I'm not quite sure what "resolve the matter" means, e-bay will turn the complaint over to their "buyer protection committee" for review.  If the situation merits they will initiate a refund to the buyer that comes direct from e-bay.  I guess they have ways of collecting from the seller later.The 10 days is up Feb 5th.  So we shall see what happens.I don't think this will stop me from watching e-bay auctions.  I have purchased other items with no problems what so ever.  I will excercise a little more caution next time that is for sure....This may turn out to be a good thing for me in the long run because now, it will make me re-think my choice of trains and rolling stock to begin with. Best regards to everyone and thanks for the responces.
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