Another possible factor is the australian consumer board sued valve over lack of refunds last year. www.addisonslawyers.com.au/knowledge/ACCC_Steamed_Up_over_Refund_Policies_and_Consumer_Guarantees702.aspx
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Yeah UV seams are a common problem with displacement systems. One solution would be to model the low-resolution surface to include a lip, keeping the UVs continuous from the top to the underside of the lip. Then without a UV seam, there should be no displacement cracks.