In Canada, there used to be a chain of large department stores called Eaton's which had a guaranteed policy of "money back" if goods purchased by people were, in some way dissatisfied with them. The Lord only knows how many elegant dresses were 'bought' for the social event of the season only to be returned a day or two later for a refund for some real or imagined reason. Eaton's went bankrupt a year or so ago. The bankruptcy was a function of poor management rather than an ill-abused refund policy. How people could 'buy' and CD, tape it, and take it back for full credit is beyond me. I wholehearted agree with Kevin Sutton's position on this practice. It is downright dishonesty and a despicable action on consumers' part. We complain about the high prices of CD's on this list. All I can do is to paraphrase a medical nostrum: "consumers heal they souls". Alex Renwick, Ottawa, Canada