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JLC • MAY 1996 My husband and I own a small remodeling company. We're not young anymore, so we don't want to work as hard as we would need to work to generate the additional overhead money we would need for employees. We particularly don't want to cope with the forms and the payments for workers compensation, the IRS, unemployment insurance, state safety regulations, and all that other good stuff that goes with employees. So we rely heavily on subcontractors. We always make sure, however, that our subs are truly independent contractors, rather than phantom employees. Our subs are all licensed, run their own companies, and own their own tools. They give us estimates in advance of the work,