How do we know the grader is incompetent?!?!?! Who is to say who got it right??? I can't tell you how many times cards have received conflicting grades from different graders. The buyer chose to crack the card out himself. That is on him. Once he did that, no refund should be applied. There is no express guarantee that you will received a favorable ruling from grading company to grading company. It is almost like playing the lottery (the crackout game). And yes, SGC is fallible. I had a 1956 Mantle come back SGC "A". Not quite sure why, as the only crime the card had was being offcentered. PSA agreed and graded it PSA 4 (MC). The funny part is, if you sent it back in to SGC, and it got a grade of '8', and turned a $1,000 GAI card into a $3,000+ SGC card, you will feel pretty silly for this "kill the seller" mentality.....