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They work just fine once you learn what gets your account suspended and what doesn't.
One big rule is: Don't change the address on your account unless you're ready to go through the verification process. You wont have access to the money in your account from anywhere from a couple days to a couple weeks. Wont be able to send or receive payments. They should really have warnings on the site: "If you do this step we'll run you through the hot coals"
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