I just found out about the PayPal Debit Card when I visited my account to transfer some funds today. It looks like a pretty good deal...being able to instantly access your PayPal funds w/o having to wait days for the money to transfer back and forth to your bank account. Who has one of these, how often do you use it, and how would you rate it? Does it work just like a regular Mastercard and are there any associated fees? Any input would be appreciated!