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david posesi bought a card from kit young's website about a year ago. can't remember what the condition was described as, but it definitely didn't mention that the card was slightly torn. the pic was tiny so i couldn't see it, but their "money back guarantee" and reputation (or so i had heard) made me feel ok about buying the card. i sent an email immediately when i received the card and requested a refund. after not hearing back from them in a few days, i called, and got a major runaround. long story short, i still have the card and am not going to buy from them again.