i feel like thats getting into semantics a little too much. youre not really OUT $3000... you didnt spend that money, you didnt genuinely invoice for it; you knew going in you wouldnt be monetarily compensated. as for the missed work, i still think itd be more proper to say you missed out on approximately $3000 worth of work. but its not in either case as if you had the money at one time and lost it, or were directly owed that amount by the client. maybe thats too nitpicky, but there it is.