We stand behind THEMES™ and it's loose leaf counterpart, The Estate Manual, with a no-nonsense, no-delay guarantee. If you need to reconsider for any reason, your check (or a confirmation that your credit card has been credited) will be on its way to you the same day you withdraw from the electronic program, or that we receive the manual back. (And we'll even honor our guarantee if your grandson spills coffee on The Estate Manual and you need another copy! But we can't replace homework the dog ate :-)