[rutang]

the reason to post your bid at the last second is as much to keep someone from running the bid up on you with a confederate account (not too likely on a CD i'd guess) as to keep other people from putting in their max bid, getting beaten by yours and then changing their mind and putting in a bid that beats yours.

I use justsnipe.com. register and it will put in your bid for you at the last second. it's free if you don't use it more than x times a month. there are other sniping programs out there. it will save you a little money here and there over time.