Dear Sirs, and my Friends of Instructors here. 

Fiirstly, Apologize me so much that I make a statemrnt above, maybe I am wrong : for I am as a new member here with 2 months of publisher with one course. only. 

I have read about 300 articles concerning refund in which it is rather tendention of a burden of Instructor. It describes abuse refund policy, students are " Naughty ", stealing of material of the course and relatively easy to draw the money for refund without information to the Instructor system. 

I am expecting