I've always had good success with Competitive Cyclist. Never bought a complete bike from them though. They are great on returns. I bought a set of Look/Polar power pedals that were complete garbage, and they took them back with no issue.
Some people have indicated that CC might be slipping, after being acquired by Backcountry, which could possibly explain Creatre's experience. Don't know if that's true.
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You could fall off a cliff and die.
You could get lost and die.
You could hit a tree and die.
OR YOU COULD STAY HOME AND FALL OFF THE COUCH AND DIE.