Thanks guys. I went to the help screen. It lists acceptable reasons to lower or cancel a bid. It does NOT allow change due to my circumstances. So I find their policy for changing a bid unacceptable. If I lowered my bid....maybe I could afford it, or...someone else who wants the item would get to buy it. But that is not allowed under their policy. So if a shady character runs it up to my max bid...I am stuck with paying for it. It expires in about 12 hours I thinik. Therefore I shall change my modis operandi of bidding in the future.....or I just may not ever bid on ebay again period. Their just out for the money. Don't care about the bidders.