REFUND REQUESTS: I inadvertently scheduled an exam for July 16th at 0400H America/Chicago time. I did not realize this meant 4am (I thought I scheduled for 4PM), so I missed the exam. I am respectfully requesting a full refund for this exam. As I needed to take the exam on July 16th, I registered for a new exam, but inadvertently selected the "Spanish" exam (which I do not spreak/read Spanish!). So I immediately went back in to cancel this exam, and would respectfully request a full refund for this exam. I registered once again for the HECM exam on July 16th (in English), and was able to take, and pass this exam. Basically, I paid $300 for exam registration fees, but only took the exam 1 time. I am hoping you can refund the 2 exams I did not take. Best Regards, Pat Brown