interesting thread. one important issue popped came to mind when i was reading it.
that is that in the potential problem that might exist when a large group of adult companies are found to be using the same flawed and possibly non-compliant method of record keeping might in fact be making themselves very easy targets rather than harder targets. i think that the notion of "safety in numbers" only applies to wildebeasts. otherwise, you might be doing nothing more than creating one large and easy to hit target.
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