simple...let her go without and have to explain to the teachers and face the punishment for not having the correct equipment. i did this with my son after too many losses to count. i also used to shout and scream...which made me feel a lot better! (don't feel guilty for having a go - it's what parents do and if she doesn't understand you are struggling at that age, then she deserves to be shouted at!). nobody's perfect...but let her sort the mess out and make it clear if she loses anything else, she'll be going half dressed before you dip in your pockets again. oh - and if you are struggling, lose the riding lessons. £80 a month is not to be sniffed at x