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We have a pay up front policy, been burnt too many times by people not paying at the end (and more often than not using the designs regardless).
Having said that, I recently made a concession to a reputable company where they could pay once the work was complete, though this never happened - they said the work was not to their liking and then I never heard from them again.
So yeah, all up front, too many ppl out there just trying to fuck you over to do it any other way
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