I will take a refund he he wished to give one, if not it shows some of his character. Whenever I joined I was told I would be given it back, then I was told I was not because I had earned more. I am not sure when the T.O.S was changed but I did say "that's fine" after he told me it was stated on the thread that once you make more than the down payment it could not be given back so I responded "fine" under the impression that the T.O.S said "it would not be given back after you made more than the initial downpayment.