PLEASE NOTE: WHEN YOU REGISTER FOR A PHOTO TOUR, INDIANA ZUCKERMAN SENDS DEPOSITS FOR HOTELS, GROUND TRANSPORTATION, AND LOCAL GUIDE SERVICES TO VARIOUS VENDORS ON YOUR BEHALF. THOSE FUNDS ARE OFTEN NOT REFUNDABLE. THEREFORE, WHEN YOU SIGN UP FOR A TOUR, IF YOU DECIDE NOT TO GO FOR ANY REASON, YOUR DEPOSIT AND FINAL PAYMENT CAN'T BE REFUNDED. WE CAN APPLY THOSE FUNDS TO ANOTHER TOUR, HOWEVER. THIS IS WHY INDIANA HIGHLY RECOMMENDS BUYING TRAVEL INSURANCE BECAUSE THIS PROTECTS YOUR INVESTMENT IN THE TOUR OR WORKSHOP.