Jeff is right. Guys can get burned and work on a Model 21 can mount up fast. You spend a week on a guy's gun and then it sits on a shelf because he doesn't have the money to pay for the job- that's a week you could have been working on someone else's gun. Just having the gun and holding it doesn't mean much. How long do you wait before you sell it to get your money? Or you can take it back apart and send it back to him the way he sent it to you after you've spent all that time on it. I can see where someone would want a deposit on a gun. Every place I have seen that sell guns on time make you put so much of a deposit down. What are you going to say when you can't pay off the gun and it has sat there on the shelf not being sold?