This is the item, I really wanted a straight transition, I consider this abrpt for my application, when I have to modify it .

And the 3% I mentioned, its not perfectly clear, but it seems to imply there is a 3% added charge or deducted on the credit when returning, which sounds rather strange as compared to the often mentioned extra % charge for credit cards upon purchasing .

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Reality check, that half the population is smarter then 50% of the people and it's a constantly contested fact.