When I started I thought I would just be able to eat the losses and refund the customers 100% but after a few 'expensive' lost shipments I have had to rethink my refund policy to a 50/50 policy. I hate to do this but I cannot afford to eat all bad shipments... I would be out of business in a short period.So this leads me to ask the following question: as a buyer, what is an acceptable refund policy for you if a shipment is interdicted or lost?Based on the business as it is I think both seller and buyer should assume a certain amount of monetary risk...what says you?Thanks!TJ