Good for you making sure the bike shop would refund your money! They really should since they sold you a bike you could not even stand over. That is not right, and anyone who works in a shop should know that! That is like the first rule of bike fit, and I suspect the employee who sold it to you just figured you were a clueless newbie and wouldn't know better. Ah, he underestimated your ability to learn!

I also wanted to point out yet another forum I just found on the Terry site today. You have to click on "bikes" to find it (I don't know why they bury so many things off their main site), but it has some helpful answers from Terry employees that might be of interest to you. Here's the direct link:

http://terrybikes.forest.net/phpBB2/index.php

Good luck!
Emily