Yes to the rollover program, actually! They can't cash it out until it hits $10 (though I make exceptions if an artist asks personally), it just keeps a balance and every statement adds (hopefully) a little more to it. And no matter how low it is, they can cash it in for credit at any point if they want to shop the site. AND they can get wholesale pricing on their own work (including group projects like calendars and coloring books), no matter how small the order. It's a pretty nifty program, she says humbly. My webcoder did a bang up job on it.