Business is business. Deposits should always be "up front", reflect reasonable compensation for the involvement in time and materials up to a specified point of completion, and be invariably non-refundable. It's your call whether you choose to release sketches, studies or other preparatory work at that point. That either eliminates or lessens the "pain" of having your work "pirated".
Around the cattle auction, the saying is "Money talks, and bull**** walks." An honest, serious client will never be offended by the request for a retainer to begin work on a project. Those who defer you can cheerfully file away with all the other idle inquiries, without wasting productive time. No money, no work. Try getting a house built without putting down cash to start a contractor. It's really that simple.
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