I sent back packet, (removed everything from Priority Mail envelope and put everything into new Priority Mail envelope). They received it 5-19-2009 and told me it would be processed on Thursday's taking 3-5 business days to be put back into my account. It still isn't in my account as of 6-18-2009. They keep saying the packet is missing a scam or spam policy, and that is why it hasn't been processed. I have sent everything back that they sent me! Is this just an excuse not to refund my money? Maybe they think I will forget my $150.00. I won't. They need to honor their guarantee!!!