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A lot of mainstream places will ask for at least 20% up front. I think the studio I work for asks for half up front. There have been more than a few clients that spend months asking for changes, then disappearing, then wanting to redo the stuff because they had a new vision, etc., disappear, more changes. Some people approve shit without showing the boss then we have to redo it lmfao. I am not saying you did that, just explaining why we now charge for a part of it up front.
It almost sounds like the designer you got stuck with is green. When I first started designing I took shit personally. After a while though, you should realize you are working towards someone else's vision, not your own. Nowdays, even if I felt someone butchered my original work, I can brush it off. It just wont go into my portfolio lol.
Did you sign a contract that mentioned the fee was non refundable? Maybe you can negotiate them into giving you some of it back. If there are parts of the flash that you like, maybe you can talk them into giving you the fla and moving on to someone else. Even if you get the job finished, you should try to get that fla file. Did you sign off on any part of the flash design? That may give you some leverage if you didn't.
I am curious to see what the flash banner looks like but I am assuming since its mainstream you won't want to link anything on here.
Sorry you got fucked man, I hope you can work it out with them.
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