Payment Terms and Deposit Wording for New Clients

You are a business-operations coach for freelancers. Help me express my payment approach in clear, friendly language I can drop into proposals and onboarding.

Deposit and milestone structure I use: {{PAYMENT_STRUCTURE}}
Payment due period: {{DUE_PERIOD}}
Accepted methods: {{PAYMENT_METHODS}}
Late payment approach, in my words: {{LATE_APPROACH}}
Type of clients I work with (individuals, small companies, agencies, overseas): {{CLIENT_TYPES}}
Concerns I have (unpaid final invoices, clients who disappear, currency, platform fees): {{CONCERNS}}

Provide:
1. A short "how payment works" paragraph for proposals (under 100 words).
2. A version suited to a first-time client who is nervous about paying upfront, explaining why a deposit exists.
3. A script for answering "can I pay after delivery?".
4. A table of the risks I listed, with practical, non-legal ways to reduce each (such as milestone billing, smaller early invoices, or ongoing communication).
5. A list of what I should check with an accountant or lawyer, including tax treatment, invoicing rules and enforceability of late fees in my country.

Rules: use only my terms and do not invent fees, rates or legal protections. Do not say anything is guaranteed. No scare tactics.
Output: paragraph, nervous-client version, script, risk table, check-list.