I think fair market value of this card is $99.95. Then appeared the level 3 for $169.99 which is a very good deal. Two level 2's are required to get a level 3. Then came the level 2 for $90, followed by the level 2 for $40. My take for the user selling the level 2 for $40 needs money and is desperate to sell OR is trying to lower the fair market value of the card.