I was going to write something but this was just easier to explain the authorization hold. https://en.m.wikipedia.org/wiki/Authorization_hold
As for refunds, the company (their bank etc) initializes the refund. I have no idea the company side but I do know financial institutions (depending on the size) run those credits to your account through a computer program that does large batches of refunds at once. Imagine having to credit accounts manually by verifying ledgers and depositing those monies into the correct account. It’s take forever to do what one program can do in minutes. They recieve the file, they refund the money in the next batch.

that reminds me...it’s almost sweet potato pie season. Thank you, google!

The French flag doesn’t have a period stain in the middle.

https://www.livescience.com/34241-democratic-republican-parties-switch-platforms.html
http://factmyth.com/factoids/democrats-and-republicans-switched-platforms/
It’s interesting how the parties are evolving.

MI?

With humidity you can cut with a butter knife.

No shit.

There are two options: work on your problems or get rid of them. People that grow apart can still grow back together but time and effort is needed as well as a willingness to become a couple once more. Takes two people to do this. Hope all goes well in whatever you decide.

Knob slobber junkie

If you’ve ever been forced to watch episodes over and over, you'll find the hate comes naturally.

Worked in a credit union. Had one older member bring us cornbread and chicken soup every few weeks during the fall and winter. Another old man would buy us candy (we sold worlds finest to support charities) because he was a diabetic and if he couldn’t have it someone else should. Had a young woman scream at us because she overdrafted her account by a good amount and we wouldn’t refund her fees....because she had been in the previous mouth about the same thing.