Returning a $2500 carbon road bike after taking a bad crash or driving into your garage with the bike on the roof of your car; returning your child clothing because they outgrew it; returning something because you don use it anymore (but it is otherwise totally fine); returning shoes because they wore out after a few years, just to turn around and get the exact same pair again; returning a jacket that has broken zippers, rips, and tears all over it.

Sickness absence is a major problem for