You're probably wondering...
How can he possibly offer a 100% refund?
So here's the deal. You hire me to photograph your wedding. Then you realize, that since beginning your wedding planning, you've met TONS of brides that are doing the exact same thing, planning a wedding. They need photography too! So you email/call/meet them and say "Hey, I just hired this great photographer, and he's got this amazing deal called the 100% refund. Here's his contact info, go talk to him!" Then your friend calls me and says that YOU gave her my contact info.
Once your friend's wedding is done (paid for in full), you get 10% of your money back. Guess what! Do this 10 times. That's a 100% refund!