If I sell you a card and it doesn't get there, I am going to refund you even if you technically bore the risk of loss under the UCC or whatever set of rules, because it's the right thing to do. Sometimes being ethical requires going beyond the law.
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Net 54-- the discussion board where people resent discussions. 
My avatar is a sketch by my son who is an art school graduate. Some of his sketches and paintings are at
https://www.jamesspaethartwork.com/
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