[turtlebits]

"and assess financial penalties for failed tests"

That's an immediate nope for me. I don't care if I can file a dispute, unless I can resolve it then and there, I'm not going to be at the whim of some faceless escalation system, or an uninformed CS agent.

[Aeolun]

Since they have diffs I imagine your mistake (or not) would be immediately obvious. I just think the penalty is too large.