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@Crispin_Glover
I worked for many years in a design studio and you can be sure as hell you were paying for everything, somehow. But most relevant here is farming out print/web development services (or any other service who charged us for that matter). We would add mark-up, as much as 20%, to cover any valuable studio time sending emails, getting quotes, yammering in the phone etc
Mark-up on materials covers petrol, insurance, monthlies on the van etc.