--- a/latest/use-cases/index.html	Mon Mar 30 17:05:14 2015 -0500
+++ b/latest/use-cases/index.html	Mon Mar 30 17:15:44 2015 -0500
@@ -393,7 +393,7 @@
 Payment Processing
       </li>
       <li>
-Delivery of Product/Receipt
+Delivery of Product/Receipt and Reversals
       </li>
     </ol>
 
@@ -522,7 +522,7 @@
     </section>
 
     <section>
-      <h3>Delivery of Product/Receipt</h3>
+      <h3>Delivery of Product/Receipt and Reversals</h3>
       <p>
 The fourth phase of the payment process is used to complete the
 <a>transaction</a> by providing the <a>payer</a> with a receipt and/or the
@@ -541,6 +541,10 @@
 various ways and times that a receipt may be delivered (e.g., credit card
 receipt, digital proof of <a>purchase</a>, encrypted line-item receipt, etc.).
         </li>
+        <li>
+<strong>Reversals</strong>. At time exceptions may occur (e.g., defective
+product, application of store return policy, etc.). In this case, the Payee initiates payment to the Payer. The payment reversal may take different forms, including a refund to the payer's payment instrument, a refund using a different payment scheme, or store credit.
+        </li>
       </ul>
     </section>
 
@@ -648,7 +652,7 @@
     </section>
 
     <section>
-      <h3>Delivery of Product/Receipt</h3>
+      <h3>Delivery of Product/Receipt and Reversals</h3>
 
       <p>
 <strong>Delivery of Receipt</strong>. Jill's cloud-based wallet
@@ -1904,10 +1908,7 @@
     </section>
 
     <section>
-      <h3>Delivery of Product/Receipt</h3>
-      <p>
-      </p>
-
+      <h3>Delivery of Product/Receipt and Reversals</h3>
       <section>
         <h4>Delivery of Product</h4>
         <p>
@@ -2024,9 +2025,7 @@
 
       </section>
       <section>
-        <h4>Delivery of Receipt</h4>
-
-
+        <h4>Reversals</h4>
         <dl class="dl-horizontal">
           <dt>Refunds</dt>
           <dd>
@@ -2034,16 +2033,18 @@
 payment:
             <ul>
               <li>
-Pele buys a slice of pizza at a local restaurant and is accidentally charged
-for five slices of pizza. He notices the mistake after he pays and requests a
-refund, which the restaurant manager approves. The overcharged funds are
-returned to his account.
+Pele buys a slice of pizza with a credit card at a local restaurant
+and is accidentally charged for five slices of pizza. He notices the
+mistake after he pays and requests a refund, which the restaurant
+manager approves. The overcharged funds are returned to his account.
               </li>
               <li>
 Teo claims that a blender that they purchased online was faulty and returns
 the product to the merchant. The merchant provides the customer with a refund
 in the form of store credit based on the return policy.
               </li>
+              <li><span class="issue">Should we include a scenario where the refund is to a different payment scheme, e.g., cash?</span>
+              </li>
               <li>
 A financial crimes regulator identifies a criminal syndicate that is
 operating via a number of fake identities. The fake identities are flagged
@@ -2155,7 +2156,7 @@
 from Alipay that the transfer is complete.
         </p>
 
-      <h3>Delivery of Product/Receipt</h3>
+      <h3>Delivery of Product/Receipt and Reversals</h3>
 
       <p>
 <strong>Delivery of Receipt</strong>: The booking website sees that Anna's
@@ -2257,7 +2258,7 @@
 the <a>transaction</a>.
         </p>
 
-      <h3>Delivery of Product/Receipt</h3>
+      <h3>Delivery of Product/Receipt and Reversals</h3>
 
       <p>
 <strong>Delivery of Receipt</strong>: AlpacaToesCo sees 6 verifications on the