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We pay less of a risk premium in the US. Some of these scams will drive that up.

Yup. Thanks to the scammers, even REI has limited their return policy: http://seattletimes.com/html/businesstechnology/2021116265_r...

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Except that REI isn't going from a normal return policy to a draconian return policy. It's going from the most unbelievably lenient and forgiving policy to something that's still far more lenient and forgiving than anyone else offers. I don't think it's quite a fair comparison.

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