I noticed that my mono zipped compact wallet has a tiny tear in the area that houses the outside zipped compartment. It's the part where the two compartments are joined. I have no idea how it could have happened. The wallet was purchased in May 2006 and is outside of the warranty period now. This is the 2nd thing to happen to it (the entire interior card slot panel was replaced in January and I didn't get the wallet back until April!). The tear doesn't affect my ability to use it, but I'm just annoyed . I don't want the wallet to be held up in a factory somewhere for another 3 months. What should I do?