That’s for sure, I was 3rd level apprentice. Fixed a guy’s chimney because I wanted to get more side work gave him a really reasonable price. To this day have never been paid for labour or materials. See the guy 4 or 5 times a year, he just turns and goes the other way. ASSHOLE! Nobody around the area will deal with him anymore. No scruples. That’s where my policy was made. Materials up front labour on Friday, show me the Queen. Our American friends might not understand that last term lol