Just a thought, if my Thai wife opened a new account with Paypal and went through all the NDID rigmaroll but used my email address, would THAT 'work'? - Oh..... what about the 2-step log-in - when I log-in on my PC, Paypal send me a log-in code which I must use. The log-in code would go to HER mobile phone so she would need to be next to me when I wanted to log-in?...... just trying to find a work-around!