John -- SMH is shaking my head. Since the nonrefund was a false alarm, I still don't get why you would be upset that someone caught a problem with a card you bought, but that's just me. In any event, we'll move on.
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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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