What most people know, and what they'll later claim are two different things. In your contract where you are requiring a deposit, simply insert the word: "non-refundable" before deposit, then complete your deposit required amount. If you wish, describe the deposit as being one-half of the total cost of the quilt to your customer. JMHO. My husband was a cabinet maker, had his own shop, but if there's some way someone could "get out of" a deal for kitchen cabinets/custom furniture, etc., they'll do it if they're short of money! You just need to protect yourself without going overboard! Again, JMHO!