A young couple picks out a trio set to put on layaway. He pays enough to take the engagement ring with him and gives it to her. Six months later (no other payments on the layaway) he wants his money back. I remind him that he has the ring and ask why he expects his downpayment back. He tells me I'm wrong. He doesn't have the ring — she does! I thought it was good for a grin, but not a refund.
— PETER TIMS, WHITE MOUNTAIN JEWELERS, SHOW LOW, AZ