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I got around this by setting up a whole host of different accounts (for example. instead of using one account for trial, monthly and annual and the user having to choose between the two, I divided them into three separate accounts). Still, the drop down box stays, even if there is only one option, it just doesn't 'confuse' the user so much.
A word on their 'upper limit' as well. It may seem a bit restrictive, but talk to them, show them that your site is of value, and they'll let you charge above the usual $59.99....
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