No Tosha, refunds should be quick and easy, my comment was replacement issues from the increased trend of "jobbers" people who are buying to resell. The number of jobbers out there has dramatically increased in the last year and a half. These are the individuals that scare me. I could name (I won't) at least a dozen people on KS right now that do not have the financial means to replace an animal in the event that it died. Meaning their credit card is maxed out and the payment is due.