Unfortunately there was a problem with some Starbucks Gift Cards. It seems that they had been bought by unauthorized use of a credit card. In due course, the victim made a claim and the Gift Cards were de-activated. I contacted Raise and within only a couple of hours their excellent (and friendly) team had arranged a refund. Now I just hope that they catch up with the fraudster behind the problem. For me, it was interesting to see how quickly and competently the folk at Raise resolved the problem. You sometimes wonder just how good a guarantee is. It seems to me that the Raise Guarantee is cast-iron. Thanks to all of you who helped.