Julianne--
Sounds like you're pretty well up on these issues. And if your photographer isn't charging a fee, it is a good deal.
I know in this post I sound like a noodge, but honestly, in an earlier incarnation as an illustrator I saw colleagues here decimated by copyright suits and tax penalties. I actually had a friend tell me, "I never charge sales tax," and he was proud of it! It later came back on him.
Folks, you've gotta know the law and follow it. The information's out there.
Best to all--TE
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