shouldn't a dealer on an auction site hold the gun for a reasonable time until you check arrives and then clears his bank? I may be listing the 10 outside hammer Ithaca soon on the PGCA-my sales policy is firm- you call and say you want the gun, I mark it "sold pending arrival of funds" and you get a 100% NQA return for refund policy as well. I learned that from old friend Bill jaqua years ago!! Only way to do business, IMO anyway