Thanks for sharing your thoughts about this. The way we try to answer that question is through the graph, so when you scroll you get a ticker with the balance that you had on that particular date, so you could see if the final balance is actually the result of your balance + the refund (even though we should be able to create enough trust so you are comfortable with our calculations 
We know the graph needs a bit of work but conceptually we think this answers your question… Am I missing something? Thanks!!
