When I was working I noticed that all of our independent IT contractors worked as cc's - I gather that their main reason for doing so was in order to receive the protection of the "limited liability" feature of a cc. Back then if there was a hiccup in one of their programs and it cost us money, they could be sued for damages, and if not a cc, they were personaly liable for perhaps a huge amount of money.
That was a while back - has anything changed? Don't think so.
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