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Posted By: Tim

Thanks a lot, folks, for your thoughts on this question (and one from a lawyer, no less)!

They confirm what I had thought as well. I felt that insurance is a red herring since the package did arrive OK.

You've also confirmed my inclination to tell him I'd be pressing charges, as the only way to get any leverage over him. I doubt he can show there was ever a card in the first place. Maybe threatening him with the law is the only way to get him to see he can't sell nonexistent cards (not expensive ones, anyway).

Tim