“I’m growing and I’m really just focused on Kennedy and learning how to be a single woman and a single mom,” she shared. “I’m just so not ready.” Taylor admits it’s because she still isn’t over Russell Armstrong. “I still think about Russell every single day, and I still miss him terribly and I feel like I’m so far from ready. I don’t know if you just wake up and you’re ready, or how that works. But for me, for now, I really got some growing to do, I think, before I’ll be even ready to be a good judge of what’s good for me.”
Well, perhaps the reason Taylor isn’t ready to focus on a new relationship is she has bigger things to worry about – like a looming $1.5M lawsuit filed against her and her now deceased husband by MyMedicalRecords.com and NuWay Digital Services (NDS). Taylor heads to court this summer and it seems things are heading down a pretty treacherous path.
Today a routine hearing related to the case takes place. MMR alleges that Taylor was a willfully involved party, along with Russell, in pocketing missing investor monies and assisted in failing to disclose certain investors to MMR as part of a settlement agreement between the Armstrongs and MMR. They also state that Taylor misrepresented herself as being a member of the famous Ford Motor Family in order to “lure” investors. We all know this, but it’s worth repeating for scandal’s sake.
The media has been buzzing with news regarding the upcoming season ofThe Real Housewives of Beverly Hills, so of course those ladies who love cameras and interviews have been out in full force. Taylor Armstrong, who is promoting her new book Hiding From Reality: My Story of Love, Loss, and Finding the Courage Within, has recently revealed that she was floored to learn that her young daughter Kennedy knew about the abuse she endured at the hands of late husband Russell Armstrong.
Taylor discusses her conundrum in a recent interview with HollywoodLife.com. She states that Kennedy inquired why Taylor could miss her father when he “beat her all the time.” Tragic, to say the least. Taylor says she replied, “I said, ‘You know what, you’re right. Your daddy had a bad temper and that wasn’t okay, but he loved you very much.’”
When trying to explain Russell’s relationship with his young daughter, Taylor reveals, “He never acted out towards my daughter. I try to reinforce ‘Your daddy loves you, and I know he misses you.’”
Going in depth about her past, Taylor admits, “The cycle of violence is a really interesting thing. It happens in a lot of relationships. You think you can change someone, and you can’t. You think that if they hit you for one reason or verbally abuse you for one reason and you don’t do that behavior again that it won’t happen again, and that’s not the case. They will always look for something new.” I am not a Taylor fan, but knowing people who have been in similar situations, I have to agree with her statement.
Meanwhile, Taylor isn’t ready to jump back into the dating pool. She says, “I’m just so happy being single and loving my little girl and being so present with her.” Taylor continues, “If you read my story, I’ve had a boyfriend since the time I was in the sixth grade and for me to be 40 and be so fine with being alone is beautiful. I just flew back from a vacation with my little girl, and we had the most fun that we’ve had in so long.” And go buy her book! 🙂
In other news from Beverly Hills, it has been reported that Kim Richards will be returning for the upcoming season. Now an insider is coming forward and telling Radaronline.com that Kim is trying to get healthy while maintaining the Bravo paycheck.
The source reveals, “Kim needs the money because she has no other way to support herself and her children. She does receive child support from several different men who fathered her kids. Kim was able to negotiate a better salary for the upcoming season, she got a $10k raise. Kim truly didn’t want to do another season because she is still extremely vulnerable and dealing with her sobriety.” This is the opposite of Kim’s friends who say she wanted her recovery documented to help others who may be struggling.
Someone “close to the women” shares that all the women “received a modest raise to come back and do season three. Taylor Armstrong has also become dependent on the show for the income and will be earning around $127,000 for the entire season. None of the cast is paid over $165k for a season of work. People might be surprised to learn how little the women earn from the show, this isn’t per episode, but for an entire season, which Bravo dictates the terms of how long the filming will be for.”
The same source continues, “The ladies won’t get rich from doing the show, but feel the exposure and publicity they get from appearing will be the big payoff. Look at Bethenny Frankel, she never earned more than $100k for being a cast member on the New York Housewives franchise of the show, and she just sold her Skinny Girl alcoholic beverage line for millions of dollars.” Is said source Andy Cohen?
The insider tells the site that everyone involved in next season “seem[s] very excited to begin filming the third season of the show. However, they were all extremely sad and disheartened that Camille Grammer won’t be back, she truly has been the heart and soul of the show. There will be at least two new Housewives on the Beverly Hills cast this season, Bravo hasn’t officially decided who they will be yet.”
Perhaps, said insider isn’t as inside as he/she hoped! Regardless, I am torn on both Taylor and Kim returning. I am not on the hateful Taylor bandwagon (but please know I’m not a fan either). If her allegations are true (and I tend to think they are, regardless of how I feel about how she’s handled things since), I don’t think she is doing herself, or her daughter any favors by letting her life play out on television. Similarly, watching Kim’s breakdown wasn’t entertaining, it was cringe-worthy. I just wish these women would take the time to heal themselves and their families out of the spotlight.
Speaking of someone who is doing just that, Camille is still having issues with her new boyfriend’s ex, and finds herself unwittingly at the center of their custody battle. Her beau Dimitri Charalambopoulosrecently obtained a restraining order against his son’s mother, Lisa Chynoweth. Now Lisa is fighting back, wanting to move their son from Texas to Colorado…closer to her family and farther from his father.
Radaronline.com is reporting that Lisa submitted a sworn declaration to the court, stating, “I do not believe it is in the best interest of our son to be subject to the social media, paparazzi, and social pressures of the type of lifestyle his father has chosen to live. Because of Camille Grammar’s publicizing her relationship with Dimitri on The Real Housewives of Beverly Hills, Dimitri is now being referred to all over the Internet as a ‘Boy Toy’..This negative publicity is harmful and devastating to the self-image of our nine-year-old son.”
However, a source close to Camille is quick to point out that her relationship with Dimitri is why she decided not to return to RHOBH, as producers wanted “her to have Dimitri on the show, and have their relationship play out on camera, along with her children.”
The source states, “Camille was steadfast on her decision to not put that part of her life on the show, and she ended up walking away…No one told her to do that, not a judge, her lawyers, Dimitri, that was Camille’s decision.” Further, “Camille has never met Marcus! Camille thinks it’s just too soon to meet him, even though she has been dating his dad for almost eight months. Camille is fully supportive of Dimitri’s relationship with Marcus, and would love to meet him one day when it’s appropriate.”
The insider continues, “Camille has been through her own custody battle with her two children, and her ex-husband, Kelsey Grammer, and Camille knows that the children come first, period. Dimitri can’t believe how down to earth and level headed Camille is, it’s not what he has been used to at all.”
I am glad to hear that Camille is taking the high road with this situation and her life. Who knew that the most vilified season one housewife could make such positive turn-around?
THOUGHTS ON TAYLOR’S INTERVIEW? DO YOU THINK KENNEDY WAS AWARE OF WHAT WAS GOING ON AROUND HER? SHOULD TAYLOR RETURN? SHOULD KIM RETURN? COULD BEING ON A REALITY SHOW HINDER HER RECOVERY? COMMENTS ON CAMILLE’S RECENT DRAMA?
While the ladies of Real Housewives Of Beverly Hills are deep into the pre-season casting charade they all do before contracts get signed, some very interesting news has leaked about former villain and now “laid-off” housewife Camille Grammer.
As said on the reunion, Camille has been very happily dating a younger man, Dimitri Charalambopoulos, who had yet to make it on-screen. A taped video deposition of Dimitri posted to Radar Online may give us a clue why he was so camera-shy. Like every other housewife boyfriend, Dimitri has baby mamma drama. In the following video, Dimitri is being deposed by his girlfriend Lisa Chynoweth‘s lawyers in Dallas. Lisa apparently wants to move her son to Colorado.
CLICK THE CONTINUE READING BUTTON TO READ THE REST!
“Taylor’s appearances on Housewives will be greatly reduced,” a source reveals to HollywoodLife. “The producers want to make room for two new housewives.” The new wives are reportedly Yolanda Hadid and Marisa Zanuck.
“For all we know, Taylor might just quit the show if her role is diminished too much. That’s what happened to Camille Grammer. She said ‘Forget it,’ when she found out she would hardly be in the next season,” the source shares.
“The producers don’t want to concentrate on Taylor anymore,” the source continues. “They want a fresh start and new storylines.” And given the fan reaction to Taylor, particularly this past season, it’s perhaps in the show’s best interest to move in a more positive direction.
Which is why the embattled Kim Richards is also being added into the Friends of Housewives category. “Kim will also make some appearances, be they will be minimal,” the source explains.
The even better news, is that regardless of whether Taylor quits–or is fired–we likely won’t be seeing her on TV anywhere else! “All the housewives have signed two-year contracts with Bravo. So even if Taylor doesn’t come back, she can’t do another reality show for at least another year — and same goes for Camille and Kim.”
Moving on, Russell Armstrong is in the news again. Before his death, Russell took out a $1 Million dollar life insurance policy and named his ex-wife Barbara Fredrickson the trustee for an insurance trust that would benefit Russell’s eldest son.
The policy holder, American General Life Insurance Co. filed a claim in California Superior Court requesting a judge determine whether Barbara is in fact the entitled beneficiary who retains the rights to the policy, OR if it should be turned over to the estate of Russell Armstrong, aka The Armstrong Family Trust. The Armstrong Family Trust is reportedly held in an off-shore Cook Island account. And guess who allegedly presides over that account? If you guessed, Taylor – you guessed correctly!
In fact, Taylor is currently being sued by MyMedicalRecords for hiding missing investor monies. Their attorneys believe much of that money is possibly being sheltered in that same account.
But back to the life insurance policy, according to Courthouse News Service, American General is “ready, willing and able to pay the life insurance proceeds” but that “there are actual and conflicting claims relating” to the policy.
Barbara believes she is still entitled to that money, and submitted claim for the policy on January 9, 2012. Unfortunately, “Upon review of the claim, American General contacted Fredrickson requesting a copy of the trust agreement to facilitate payment of the death benefit. Fredrickson has been unable to locate a copy of any trust created by decedent.”
“Therefore, there existed no written appointment of Fredrickson as trustee. American General is informed and believes and on that basis alleges that Russell Armstrong never created an irrevocable life insurance trust for the benefit of A.A. prior to his death.” A.A. denotes Russell’s son, Aiden Armstrong, 13.
Barbara is unable to prove she is legally entitled to the money, because she no longer has the deed (if said deed ever existed), it will be distributed to the Armstrong estate – unless a judge rules in Barbara’s favor. The money has already been turned over to the court, who will then distribute it to its rightful owner following deliberation.
[Photo Credit: WENN]
WILL TAYLOR LEAVE RHOBH? ARE YOU SURPRISED KIM AND TAYLOR’S ROLES ARE BEING REDUCED? THOUGHTS ON RUSSELL’S LIFE INSURANCE POLICY – IS BARBARA THE RIGHTFUL BENEFICIARY?
In a recent interview, loony lips discussed the differences between reality television and reality. Which is interesting, because I really question if she knows!
Taylor claims, the drama viewers see is completely unscripted, and the emotions and relationships are authentic. “We don’t have writers, so everything is just us interacting with one another,” Taylor explains, speaking to Discover San Diego, “but the real conflict that occurs is all on our own, as much as I’m embarrassed to say that,” she laughs.
“All of our relationship drama is very real. Unfortunately, our lives are not cookie cutter like people expected Beverly Hills to be. So I’m happy in a way that people have been able to see so much of how real these women are and that we really care about each other,” she continues.
“And the fact that we get so emotional is because we are truly invested in each other’s lives and we are a part of each other’s lives.” Taylor is glad the show is able to capture those fun moments, as well. “Any time we are all just having fun together, it makes me so happy to see, because we do have our ups and downs and we’ve all been through a lot together.”
And without her friendships to these ladies, Taylor doesn’t know how she would have survived last season’s dramatic storyline; which she believes was so intense because she was willing to expose more of her life on camera. Taylor claims, season one Taylor was a Taylor hiding from reality and viewers got to see a big difference in her authenticity in season two. “When I watched season one of the show, I really didn’t like me, and I was just a shell of myself,” she reveals.
Taylor blames her late husband, Russell Armstrong, of course. “I was trying to keep so much of my personal life off television that I was — it looked like me in some respects, but the way I was dressing and acting didn’t seem anything like me. And that was a real wake-up call, to see how much of myself I had lost in my relationship. And also seeing my relationship play out on television.”
“Although I knew there were things that were wrong, I could see such a difference between the way, just in our physical space together, how we interacted versus other couples on the show. It brought to light a lot, and I think was one of the biggest catalysts for us going into treatment and therapy in the beginning of last year.”
She calls this season, actual reality and says it was impossible to keep the unflattering and emotional parts of her life away from the cameras. “I was just such a mess this last year, I really was just falling apart and I wasn’t able to keep everything that was going on in my personal life under wraps any longer. I knew too many things were going to come out in the press. And so I really was falling apart, and it was happening as much off camera as it was on,” she describes.
Taylor is not disappointed she was on national TV working through her crisis, if anything she feels it’s a poignant reminder of how far she’s come. “I feel like unfortunately that was an accurate portrayal of the state I was in. And in season one, I was just putting on a facade of who I thought people wanted to see, instead of really letting them into my life. Now that my life is just an open book, it’s a much better place to be.”
Taylor credits the show for giving her the courage to expose the truth behind her marriage, and for allowing her to be a voice for domestic violence, although she is shocked by fan reaction to her storyline. “It is surprising at times, because you don’t know how it’s all going to play out and you don’t know what people are saying about you when you’re not around. So that can be surprising,” she says of watching the shows and then learning of viewers’ reactions.
According to Taylor, the best part of being a Real Housewife is the good moments the cameras have captured; particularly Kennedy‘s opulent birthday parties. Taylor also believes the show has given her a platform to really advocate for domestic violence victims, and she has starting her own foundation to further the cause; The Taylor Armstrong Foundation.
The Taylor Armstrong Foundation is a 501 c3 a not-for-profit, that helps local shelters around the country.
Us Weekly is reporting that despite Camille insisting the parting was mutual; she actually was fired! Apparently, Camille started making demands to the network and refused to incorporate her personal life into the storyline, so Bravo ultimately decided she was more trouble than she was worth.
Camille learned of the news that she would not be returning on Friday afternoon. “She got a call from producers telling her she wouldn’t be returning to the show,” an insider reveals. “She’s demanding and complicated to work with,” a second insider adds.
Apparently, the former Mrs. Grammer was completely blown away by the news and was in Vegas for the weekend with now former co-stars Kyle Richards and Adrienne Maloof. “Camille really didn’t think there was a chance that they wouldn’t ask her back, so she was pretty surprised and upset this weekend,” the source reveals. “She was definitely in a funk this weekend.”
While season one Camille was a villain and a lightening rod for both controversy and ratings, season two Camille was low-key and calculated and wanted to maintain that persona in season three. “She’s very careful about how she’s portrayed, and didn’t want to put herself out there without having a say in how she came across.”
“There’s nothing interesting left about her character. She refused to feature her boyfriend [Dimitri Charalambopoulos], and she didn’t want to expose her kids anymore.”
Bravo did approach Camille about returning in a Friends of the Housewives capacity, but Camille wasn’t interested. Camille is allegedly “bummed” her involvement with the series is over, but, “She wants to move on in a positive direction in her life.”
And moving along to someone who is clinging onto her involvement with RHOBH for dear life, is Taylor Armstrong. According to a new report today by the Huffington Post, the Bravo network is seriously considering firing Taylor!
The reason? They’re aware of the fact that most viewers are not a fan, plus they might be wanting to move away from last year’s tragic suicide of Russell Armstrong.
“Kim’s battle with substance abuse is much easier to deal with than someone whose husband committed suicide,” an insider states. “If they don’t invite Taylor back, then she will be free to say whatever she wants. If they do, they will be able to control her, but at the same time they must fear that her participation will turn off viewers.”
A Bravo insider adds that Bravo has officially invited back three of the housewives! “Lisa, Adrienne, and Kyle have all been invited back and are expected to sign their contracts this week,” a Bravo insider reveals. “If all goes to according plan, Kim [Richards] and Brandi [Glanville] will also be part of next season.”
While Bravo decides on whether or not to axe Taylor, it appears they already have a replacement in mind for her! A source tells Reality Tea the RHOBH producers have been in talks with Diana Roque Ellis.
The source states Diana, a portrait artist, is friends with Adrienne and has lived in Beverly Hills for over 20 years. “She has been under consideration for two months and then last week they were filming at her house doing promotional shots with her,” says the source. Guess we’ll have to wait and see!
Photos of Diana are below!
[Photo Credits: WENN.com]
WAS CAMILLE DEMANDING? DO YOU BELIEVE BRAVO FIRED HER? SHOULD BRAVO FIRE TAYLOR? WOULD YOU BE WILLING TO GIVE TAYLOR ANOTHER CHANCE IN SEASON THREE?
CLICK THE CONTINUE READING BUTTON TO SEE PHOTOS OF DIANA!
According to a shocking new report by Radar Online, a source is revealing that whenTaylor Armstrongclaimed in her memoir that her deceased husbandRussell Armstrong once tried to drown her, she was telling the truth. And in fact a police report about the incident was filed.
Radar Online reveals the incident occurred back at the home of theReal Housewives of Beverly Hills stars a few years ago and names two witnesses to the alleged abuse. Those two are Taylor’s friends – Jennifur Diamond and her then husband Mark Alsentzer.
A source reveals the drama began when Russell flew into a rage and injured Mark. Russell then left the group, after which Taylor begged Mark not to press charges. However, Russell was eavesdropping on the group’s conversation and heard Taylor state: “Just take care of Kennedy if anything happens.”
Upon hearing this, Russell allegedly jumped out of the bushes and lost it. “Russell was in a frenzy, and he had a wild look in his eyes. He hit Mark, and threw Jennifur, her dog, and Taylor in the swimming pool and tried to drown Taylor. Taylor thought she was going to die as Russell held her under the water,” a source reveals.
“Mark and Jennifur were able to pull Russell off of her and probably saved her life. The cops were called and a police report was filed. At that point Taylor hadn’t been receiving any therapy, and she begged and pleaded with her friends not to press charges. Taylor had to cover her neck for several weeks because of the choke marks. She even had trouble speaking because of Russell’s strength when he tried to choke her,” continues the source.
“Mark got 16 stitches and had work done on his teeth because of what Russell did,” the insider said. “I can’t be sure that Russell gave them money to stay quiet, but he definitely gave them money to cover the expenses of Mark’s medical stuff which was somewhere around $12,000.”
Have a few questions about this report, the first being, why hasn’t this police report been made public? And was the police report only a complaint about Russell injuring Mark? Because if his alleged attempt to drown Taylor was reported, surely that would have led to Russell’s arrest and some serious charges.
Moving on to a lighter topic, Brandi Glanville, age 39 (she looks younger no?) shares her beauty and plastic surgery secrets with Shape magazine! Below are excerpts from Brandi’s interview –
SHAPE: You’re in such amazing shape but also such a busy mom. What’s your workout regimen like and how do you find time to stay in shape?
BG: After I drop my kids off at school, I head right to my Pilates trainer. I’ve had the same one for nine years! I started with her when I was pregnant with [my son] Mason. Before that, I had never even really worked out before! Once I got pregnant, everything kind of changed. Now I do three times a week and besides that, I stay active by going on bike rides with my kids, walking the dogs, or going for a hike near my home. I can’t even think about stepping foot on a treadmill!
SHAPE: You also have amazing skin. What’s your skincare regimen?
BG: I get a spray tan every week. I also have issues like adult acne and Melasma (patches of skin discoloration) since I’ve had my kids, so I try everything—lasers, photo facials—and I wear hats all the time to protect myself from sun.
SHAPE: It seems there would be a lot of pressures in Beverly Hills to always look perfect. How do you deal with that?
BG: Having grown up modeling, I’m very self-aware of my physical appearance. It’s hard to grow older, especially in this town where everyone is perfect! They’re all 20 years old and gorgeous and I’m now in same dating pool as them, yikes, it’s really hard! This town makes you insecure. And yes, I’ll cop to a few plastic surgery procedures like Botox and fillers. I think everyone should do what makes them feel good but remember: Less is more!
Brandi was also asked about how she deals with negativity from some fans, to which she responded: “People have said horrible things like I’m ‘plastic’ and I’m a bad mom. I think after three years of hearing it I have just developed a thick skin. I think it’s human nature, and I know what they say isn’t true so I’ve learned to not take it to heart.”
[Photo Credit: WENN]
TELL US – THOUGHTS ON THE REPORT ABOUT RUSSELL AND TAYLOR? DO YOU BELIEVE IT? AND THOUGHTS ON BRANDI’S INTERVIEW?
Well, I really hate to be the bearer of potential bad news, but according to the gossip, Bravo will be asking the entire current Real Housewives of Beverly Hills cast to return for round three. And yes, that includes fan-least-favorite, Taylor Armstrong!
While Taylor worried she would be on the chopping block, her marital meltdown and subsequent domestic abuse saga proved to be ratings gold for the show. Her rumored return conflicts with reports that Bravo sees her as a liability due to her legal issues, which may involve the network directly. Personally, I think a lot of people tuned in for shock value, not because the show was enjoyable – but I could be wrong! I’m surprised any of these women would come back following this awful season, but lord knows they love attention!
And per previous reports, Camille Grammer has lost interest in the show – likely after being embroiled in Taylor’s lies accusations. “Bravo would love Camille to return too, but she might want to move on to other projects which she has expressed interest in.”
Also, looking for a new job, Kim! “Kim Richards, has made it known she doesn’t want to come back. Kim is still very fragile after her latest stint in rehab,” an insider close to the situation reveals.
Apparently, Lisa’s return is bittersweet as she was hoping her spin off would get picked up. Lisa has also expressed reservations about participating in another season after two of her former friends, trashed her during the reunion. “Lisa was hoping to follow in the footsteps of New York housewife Bethenny Frankel who had her own successful spin-offs focusing on her wedding and new baby, but the network decided not to pick up her show,” a RHOBH source said.
No contracts have been extended, but Bravo is said to be formally making an offer to the ladies in the next few weeks. To replace some of the leaving co-tarts, Bravo is still searching for new women to join the cast and hopefully bring back the fun. “The network is actively looking for new cast members for the third season,” the insider adds. Taping for the third season is expect to begin on July 4th. Well, that sounds like disappointing news, no?
While Taylor and Russell have been known to throw extremely expensive, over-the-top birthday parties for Kennedy–case in point the $65,000 they spent for her 4th birthday–Taylor is reportedly planning to throw a low-key event for Kennedy’s upcoming 6th birthday.
“It was Russell that always pushed to have the over the top parties, he would always invite his business associates to try and impress them,” a source close to the situation tells Radar. “Taylor wants to invite Kennedy’s siblings so they can hopefully begin to have a closer relationship. Taylor feels that the party could be a good jumping off point for that to happen. Taylor isn’t close with Russell’s exes, but she recognizes this isn’t about the adults, but what is best for their children. All three of the kids don’t have a father anymore and they need each other now more than ever.”
And finally, Dr. Paul Nassifhas done got himself an alleged stalker! No, it’s not a lady trying to convince him that Adrienne is undeserving of his love and adorableness, it’s a former patient who doesn’t like his new nose!
TMZ reports that Paul is seeking a restraining order against former patient, Roman Melikov, claiming he has harassed and threatened Paul and his family! Oh, no – I hope Jackpot is ok!
According to a police report filed by Paul, Mr. Melikov incessantly called his office demanding to speak to him directly. He threatened, “If I don’t get to f**king talk to Dr. Nassif, I will just show up and f**king wait for him to talk to me because he needs to f**king pay for this!”
What really alarmed Paul and his staff was a voicemail Mr. Melikov left, in which he referred to himself as “psycho!” And another where he threatened to come to Paul’s house to “have Nassif’s wife help him out of pity.”
After several of these verbal threats, Paul’s staff became concerned that Mr. Melikov was mentally unstable, and would come to the office “and do something crazy.” Paul is seeking a restraining order to keep Mr. Melikov away from him and his family. Mr. Melikov in exchange wants a $26,000 refund for the nose he claims Paul screwed up.
Mr. Melikov attests that the swelling didn’t go down for two years, and his nose is now bigger and uglier post surgery! He also insists Paul took his “psycho” comment completely out of context. Melikov, a 25-year-old portfolio manager, claims he was actually referring to the stock market when he used the chosen word, as in: “I told him I had to be a psycho to invest in this market, because it has been so volatile.”
Sounds like Paul should just give him a refund. Maybe he and Adrienne really are broke!
ARE YOU SURPRISED TO LEARN THE ENTIRE RHOBH CAST WILL BE ASKED BACK? IS TAYLOR REALLY AS UNPOPULAR AS PEOPLE THINK? IS TAYLOR GENUINE IN REACHING OUT TO RUSSELL’S SONS? DOES PAUL OWE HIS DISGRUNTLED EX-PATIENT A REFUND?