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Josh K.I agree, as a seller, I would ordinarily never refund money b/f receiving the card back - if it was s/o I knew, that would be different. However, if it was s/o I knew, I suspect it would be much like many trades Ive made with board members where both parties shipped the cards at the same time. As a buyer, I would not expect a refund first - doesnt mean I wouldnt ask though.