With the boy close, I can go back up a bit higher on the IOR. Here it is 1.1 and the background stuff is once again upside down, while the boy is not.

You choose what value you want.

IOR = 1 means no bending at all - like a super thin bubble.

IOR = 1.01 or thereabouts is like thin glass - very little bend

IOR = 1.1 is not like anything realistic but if it does what you want, then use it.

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Renderosity forum reply notifications are wonky. If I read a follow-up in a thread, but I don't myself reply, then notifications no longer happen AT ALL on that thread. So if I seem to be ignoring a question, that's why. (Updated September 23, 2019)