Registration fees will be refunded in full, less a $25 service fee, if written notice or confirmed phone cancellation is received on or before 10 business days before the first day of the seminar/webinar. If cancellation notice is received 4 to 9 business days before the first day of the seminar/webinar, there will be a refund less a $45 service fee, plus a book charge of $65 if the book has been sent. If notice of cancellation is received 2 to 3 business days before the first day of the seminar/webinar, there will be no refund: instead, there will be a $45 service charge, and the balance of the fee paid will be applied as partial payment to a future seminar /webinar. Cancellations will not be accepted on the business day before or the day of the seminar/webinar. A colleague may be substituted if you call prior to the date of the seminar/webinar and make arrangements for the substitution. If the Work Book has been shipped prior to the cancellation notice, the refund will be reduced by the cost of the book.