the links in postbits, profiles, and navbars link you to the donation form with that user filled in as recipient.
furthermore, if your group has the perms to view other user's transaction logs, then that person's will be loaded there.
because its somewhat blurry thats whats going on, 1.4 fixes this, and you can see how it works now on vbcredits.com. new is the Donate link which makes it clear thats what youre doing, and a "check" link which goes to the bank accounts of that user, if your perms permit that.
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