I do appreciate the posts Mark and I do take it as a lesson learned that I already knew. The problem is I don't make the kind of money to spend a house payment, like I said 265 isn't a little amount of money to me, I know a lote of people on here have 1500 and up cues I don’t and can not afford them. I am also not the kind of person to just roll over and go oops even though I did nothing wrong I didn't think about the fact the seller didn't mention insurance and the post office either lost my cue or got it stolen but oh well it's just my money the seller should get to keep all of it. That is not how I am or how I think, I will not just let it go. It is always the seller’s responsibility to make sure of the shipping and insurance if you don’t think so look on every site on the net eBay Amazon target ect. They have they shipping options posted, you can't even put an item for sale on eBay without shipping options. But with that said I do realize I didn't think about mentioning insurance to the buyer, which is why I am not even asking for a full refund that is why I have offered half refund so that the responsibility is split. Which hurts me more than the seller because I would still be out 132.5 as the seller would be at worst breaking even, but I will be ok with that because I have no problem with taking responsibility for something I possibly could have prevented even though it is the sellers job to handle more than mine. The thing is just like a bartender’s job is to protect the customer and the bar, it is a sellers or business's job to protect themselves as well as the customer. I know that for many reasons but specifically because my Woman is a bartender and she use to operate a clothing store. Again I do thank you for the post and I partially understand what you are saying.