Sometime many years ago, if I remember right, my mother played around a bit with some paint-by-numbers sets. It’s hard to remember the specifics because, through the years, she has been drawn to many small obsessions. There was the crossword puzzle phase, the jigsaw puzzle phase, the Sudoku phase, the Harlequin Romance phase, the needlepoint phase, the clipping coupons phase, the soap opera phase, the Candy Crush phase, the refund phase … so wait, to give you an idea of what I’m talking about let’s focus on the refund thing for a moment.