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In this episode, Phil Spencer discusses the options available to renters when it comes to paying a deposit for a rental property. He mentions the high cost of deposits, which can be equivalent to five weeks' rent or over a thousand pounds in England and Wales. He introduces Canopy, a deposit alternative scheme that aims to make life easier for renters. The video explores whether it is better to pay a cash deposit or use a deposit alternative scheme. Viewers are encouraged to subscribe to the channel for more home-related advice.