My wife and I purchased a new mattress. The cost was over $3000.00. The salesman explained they had free financing, 3 years same as cash. (O.K.) He also explained, if we decided we didn't like the bed, we could return it after 30 days. We purchased the bed with $1000.00 cash down and financed the rest. I was led to belive that the $1000.00 cash was not refundable and would have to be used as an in store credit. I agreed to that. After the 30 day trial we decided the mattress was much to firm for us and started the return process. We picked out a different mattress that cost about $2000.00. We thought this was good, we just saved $1000.00. Times are tough we could use this money. But no, the contract I signed used the word VALUE. Here is where they get you. IF you select a item that is less than the original purchase price, then the remaining (value ) will only be available as in store credit. So wheather you like it or not you (have to spend ), the original purchase price of the higher priced item.So much for us saving any money. Needless to say this was my first experiance at this kind of sales tactics, and we were rather upset to find out they had us over a barrel. I am surprised it's even legal. So buyer beware at the room store you will wind up with more than you bargained for, in a bad way.