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At a New Year Eve's party, I was cornered by a local remodeler who wanted to talk about uninsured contractors. "It's not fair to expect me to pay a fortune for insurance and licenses," he complained, "and then leave me to compete with guys who can put in lower bids because they don't bother with that stuff." I try to avoid debates with people who are both right and wrong at the same time, especially at parties where alcohol is being served. Yes, it is unfair and difficult to compete with people who don't have the proper licenses or insurance, but licenses and insurance are important protections builders and remodelers should not give up. Let's take a