Kind of a buyer beware type of thing. But as a business, if a book kept your money on a future during these times, people would scream for their heads. As an individual, however, there is much less fear of abiding by ethics. If the book refunded my money & I wasn't going to lose out, I'd probably send back my money to Prop Swap...probably.Tough spot. You had equity and sold it off to guarantee profit. Do you really owe that back?