diff --git a/db/schema.sql b/db/schema.sql
index a246bde..e11693b 100644
--- a/db/schema.sql
+++ b/db/schema.sql
@@ -847,6 +847,7 @@ CREATE TABLE `pmgr_accounts` (
   `depositable`          TINYINT(1) UNSIGNED NOT NULL DEFAULT 0, -- Does this account receive deposits?
   `chargeable`           TINYINT(1) UNSIGNED NOT NULL DEFAULT 0, -- Can be used for charges?
   `payable`              TINYINT(1) UNSIGNED NOT NULL DEFAULT 0, -- Can be used for payments?
+  `refundable`           TINYINT(1) UNSIGNED NOT NULL DEFAULT 0, -- Can be used for refunds?
 			   			   
   -- Security Level
   `level`                INT UNSIGNED DEFAULT 10,
@@ -863,30 +864,44 @@ CREATE TABLE `pmgr_accounts` (
 LOCK TABLES `pmgr_accounts` WRITE;
 INSERT INTO `pmgr_accounts` (`type`, `name`, `level`)
   VALUES
-  ('EQUITY', 'Equity', 1),
-  ('LIABILITY', 'Loan', 1);
-INSERT INTO `pmgr_accounts` (`type`, `name`, `tillable`, `depositable`, `chargeable`, `payable`)
+  ('EQUITY',     'Equity',            1),
+  ('LIABILITY',  'Loan',              1);
+INSERT INTO `pmgr_accounts` (`type`, `name`)
   VALUES
-  ('ASSET', 'A/R', 0, 0, 0, 0),
-  ('ASSET', 'Invoice', 0, 0, 0, 0),
-  ('ASSET', 'Receipt', 0, 0, 0, 0),
-  ('LIABILITY', 'A/P', 0, 0, 0, 0),
-  ('LIABILITY', 'Tax', 0, 0, 1, 0),
---  ('LIABILITY', 'Customer Credit', 0, 0, 1, 1),
-  ('ASSET', 'Petty Cash', 0, 0, 0, 0),
-  ('ASSET', 'Bank', 0, 1, 0, 0),
-  ('ASSET', 'ACH', 0, 0, 0, 1),
-  ('ASSET', 'Cash', 1, 0, 0, 1),
-  ('ASSET', 'Check', 1, 0, 0, 1),
-  ('ASSET', 'Money Order', 1, 0, 0, 1),
-  ('LIABILITY', 'Security Deposit', 0, 0, 1, 0),
-  ('INCOME', 'Rent', 0, 0, 1, 0),
-  ('INCOME', 'Late Charge', 0, 0, 1, 0),
-  ('INCOME', 'Damage', 0, 0, 1, 0),
-  ('EXPENSE', 'Concession', 0, 0, 0, 1),
-  ('EXPENSE', 'Bad Debt', 0, 0, 0, 0),
-  ('EXPENSE', 'Maintenance', 0, 0, 0, 0);
-
+  ('ASSET',      'A/R'                ),
+  ('ASSET',      'Invoice'            ),
+  ('ASSET',      'Receipt'            ),
+-- REVISIT <AP>: 20090710 : We don't really need NSF, as it
+-- will always run a zero balance.  However, it will help
+-- us identify how serious the NSF situation is.
+  ('ASSET',      'NSF'                ),
+  ('LIABILITY',  'A/P'                );
+INSERT INTO `pmgr_accounts` (`type`, `name`, `tillable`, `payable`, `refundable`)
+  VALUES
+  ('ASSET',      'Cash',              1, 1, 1),
+  ('ASSET',      'Check',             1, 1, 0),
+  ('ASSET',      'Money Order',       1, 1, 0),
+  ('ASSET',      'ACH',               0, 1, 0),
+  ('EXPENSE',    'Concession',        0, 1, 0);
+INSERT INTO `pmgr_accounts` (`type`, `name`, `tillable`, `payable`, `refundable`, `depositable`)
+  VALUES
+-- REVISIT <AP>: 20090710 : We probably don't really want petty cash depositable
+  ('ASSET',      'Petty Cash',        0, 0, 1, 1);
+INSERT INTO `pmgr_accounts` (`type`, `name`, `chargeable`, `trackable`)
+  VALUES
+  ('LIABILITY',  'Tax',               1, 1),
+  ('LIABILITY',  'Security Deposit',  1, 1),
+  ('INCOME',     'Rent',              1, 0),
+  ('INCOME',     'Late Charge',       1, 0),
+  ('INCOME',     'NSF Charge',        1, 0),
+  ('INCOME',     'Damage',            1, 0);
+INSERT INTO `pmgr_accounts` (`type`, `name`, `depositable`)
+  VALUES
+  ('ASSET',      'Bank',              1);
+INSERT INTO `pmgr_accounts` (`type`, `name`, `trackable`)
+  VALUES
+  ('EXPENSE',    'Bad Debt',          0),
+  ('EXPENSE',    'Maintenance',       0);
 UNLOCK TABLES;