Oh my goodness. What does that have to do with her finally paying you for your saddle at a price LOWER than you asked ?
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An expensive saddle is a “want to have” not a “need to have”. Lots of pro’s did just fine in the past with basic saddles. If she had unexpected expenses there is no shame in telling you that she loved the saddle but could not afford it at this time and return it to you. That does not bode well that she could not be upfront about things.
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