We spent quite a bit of time trying to find a one-size-fits-all framework. There just wasn't one, so we've done credits on a case-by-case basis. Sorry you find

We spent quite a bit of time trying to find a one-size-fits-all framework. There just wasn't one, so we've done credits on a case-by-case basis. Sorry you find it annoying. It's what was best for our customers.