Answers:
Yes but bearing too expensive.
Save your money and buy on a regular c.c or better on the other hand use currency.
No it isn't! I hold McAfee site advisor installed on my computer, as a consequence when I google for anything, it will indicate near a green tick what is deem to be ok, a wan exclamation dot on places that are suspect, a red cross when things are to be totally avoided (asnd Peach direct is flagged as RED by McAfee) and finally a grey press splodge for sites that haven't yyet be tested.
I thoroughly much recommend you installing it, a great tool to aid you prod soundly as it's thoroughly tricky to recount at the moment what's legit and what aint. (Dunno where on earth i'd be w/o it imo)
hope this help you.