If my customer decides that for some reason they can't afford the rest of the cost or they have changed their mind, then I feel I should give their deposit back. After all,it's not their quilt anymore. Most of the time it doesn't go that far. If there's a family or financial problem while I'm making their quilt,they will call and talk to me about it.I'll usually finish the quilt and sell it someone else .My repeat customers know that I run my shop like a business,but also know that there are unexpected problems. They tell their friends and co-workers about my rules so they what to expect.