i sense a stalker coming up in a few days with bolded bad english of local uni (im from a local uni) cursing at everybody and giving lame excuses about being late.

yay...thats a long sentence

way too many stories about refunding late
just forget about the money and move on

like u said, u believe in Karma
the more negative feeling u r generating...the worse u will get
y not upgrade ur believe and spread metta instead

anyway, rm 50 cheapskate......UM....
i cant find a "LOL n looking down smiley" ....demm