Your Welcome, glad I could help. In reference to those worried that a person may be vendictive if he does not get a refund, my thought here is a refund does not guarantee safety. By-laws of a club are accepted and assumed to be understood as a member. A persons ignorance of the by-laws is not an exception to them. We,as club members, are bound by our by-laws. They are not arbitrary or capriciouse, and are not swayed by personalities or situations. They are what they are and they say what they say. Obedience to them is a term and condition of membership.
Really is that simple.