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I know the risk is small - I work for a mail-order company too, and the problem buyers are few and far between… but in those cases we simply write it off as part of the cost of doing business. It's much harder to do that if it's your own stuff or money.
"Take these three items, some WD-40, a vise grip, and a roll of duct tape. Any man worth his salt can fix almost any problem with this stuff alone." - Walt Kowalski
"Only two things are infinite - the universe, and human stupidity. And I'm not sure about the universe." - Albert Einstein
Yes, but if someone else bid £45, and you originally bid £45.61, then you win.
Putting in a non-round figure is a way to beat people who often do use round figures without having to bid up the minimum extra amount when you realise they've bid the same as you (usually an extra fiver or tenner).
Much as sniping avoids getting into a bidding war.
As far as I'm aware, at least.