I understand that this has been mentioned here and other threads before. BUT, when I called Amtrak (more than once) and inquired of customer service as to this, I was told that once the reservation was made and paid for (on the net or phone), you are subject to the normal refund policy of 100% (credit) or 90% (refund) whether you've picked up the paper ticket or not. So, where in the Amtrak terms and conditions do you find the 100% refund policy if the paper ticket has not been picked up? Or based on what do you say that there CURRENTLY is such a policy. (I understand that there may have been such a policy in the past.)