Hey Little Hawk, aren't harmonicas like underwear and bathing suits? Stores have a "no return" on them. Think I'd do the same.

But guitars, banjos etc. Hell, I've been loaning my instruments for so long now, it'd be too late to change my policy. A few scratches have resulted, but on the whole I've escaped unscathed. It's a bit scary to see someone pickin' on one of my antique gibsons or Martins, but I can't bring myself to say no IF THEY STRIKE ME AS RESPONSIBLE. Drunks and "whammers"? Not a chance.

The guy who "scuffs shoes" is a "loonball". Stay clear of him! What on earth do you think his motivation is?

Rick