With Paypal the fees are on YOU the seller. Without Paypal the fees are on the buyer. But consider this. If 95+% of the people on ebay have Paypal that means only -5% DON'T! There is more interest and competition on an item when you have 95+% working with you. Hence the other -5% is not in your monitary favor.
Top-down and bottom-up design - Management and organization. 1  In the fields of management and organization, the terms top-down and bottom-up are used to describe how decisions are made and/or how change is implemented. A top-down approach is where an executive decision maker or other top person makes the decisions of how something should be done.
The rule intends to make it is easier to predict what action(s) will be taken by the EPA and what processes companies and other stakeholders may have to undergo for projects and permitting. There are no direct changes to the law under the Clean Water Rule. After analysis, the EPA and Department of the Army found that higher instance of water coverage would produce a 2:1 ratio of benefits to costs in implementation after the final rule.