Revise the following paragraph to eliminate negative language. We cannot issue a full refund at this time because you did not enclose a receipt or an authorized estimate. I'm sorry that we will have to delay your reimbursement. We are not like those insurance companies that promise you anything but then disappear when you have a claim. When we receive your receipt or estimate, we will not hold up your check. Our refusal to issue reimbursement without proper supporting evidence means that we do not have to charge you outlandish premiums for your automobile insurance.