I don't think Brad or JK in Florida are whinning.
But I agree with Grouse Doc. If you want your money back, call Carol and get it. I think the only reason JK posted was so people would talk him out of it. He wants to be reassured that waiting is the right thing to do. If I wanted to get my money back, I'd call and ask for it. Just like Brad did.
Brad, How come you didn't check with me before getting your refund. :-)