fuel filler problems

A couple of observations / questions...

Does the pump have a bellows that seals to the car filler opening?

On my Dart, and my local gas station, there are no bellows. While I am filling I go get a couple paper towels and wrap them around the nozzle to effectively seal the nozzle tube to the filler neck. Not air tight but enough to catch fuel that might overflow.

Also I insert the filler nozzle as far as it can go.

Back in the day filler nozzles were larger in diameter. I think that makes a difference.