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Beaurocracy is a good way to handle them. We try to never out right deny a refund request, we just try to make it inconvienent for them: "Sure we'll refund your money, but you have to fax us a notarized affidavit that you didn't make the charges."
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"Every normal man must be tempted, at times, to spit on his hands, hoist the black flag, and begin slitting throats."
--H.L. Mencken
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