A small percentage of refunds is part of doing business no matter hard goods or egoods...
Quality products in my opinion and experience are never a problem worth worrying about... Figure in a 2-5% possibility of returns and/or refunds and you'll do just fine on your bottom line...
Of course you can always Create a need for any Problem out there...
Everyone tells us we need to worry about the problem of theft and losing affiliate commission so there are all kinds of products/software with solutions for it... But many will tell you it's only the Smart marketers that have Created the Problem... If it's a minimal problem, is it really worth worrying about?
Anyhow that's just my 2 cents on stuff...
And nothing against Don's idea... This is for Everyone's ideas...
Back to the original thread...
If you're going to create a product, any product, you may want to research... read and make sure that you can Make yours Better than the Competition...
And in this case it's Harvey Segal's...
http://www.clickbankguide.com/rf-review.htm
Phil