Some people, eager for money, have wandered from the faith and pierced themselves with many griefs. These words to Laodicea echo the Hebrew letter, 12:5, "Whom the Lord loves He chastens," refund policy itself is often a quote from Psalm 94:12. http://jpn1.fukugan.com/rssimg/cushion.php?url=imgrobo.co.kr%2Fbbs%2Fboard.php%3Fbo_table%3Dfree%26wr_id%3D250091