Simple exaggerations cause big problems, but are often not malicious in nature.

Just like games have an objective to win it, you must prepare a "goals sheet" and ensuring every move you make leads towards those goals, which you should have a list of too, as games do seem to have a play-by-play nature to them.

Ya........Military spending is 1/6 of spending, but there are large swaths of that budget that are NOT "military" in nature, including (of all things) research into treatments for autism, lawyers to provide guidance regarding 'equal opportunity employment' and I could go on, and on and on......

Has anyone used an RFP process for something of this nature?

Running it all through your own bank account or as a natural person is fine, but then how you treat your business expenses as a reduction of your income will matter.

Natural persons are usually your typical residential borrower.

As a kid that grew up similar in that we got paid to work at home, kept accounting ledgers of money in and out and became entrepreneurial in nature looking for "business" in the neighborhood I don't think there is anything to worry about.

Big or small, you should be doing this, and contractors already know this is part of the nature of their business.Now, it is your contractor's liability insurance where you are named as additional insured; from your last post's first sentence, I'm not sure you understood it that way.

Regardless, CRM systems are complicated by their very nature - so expect somewhat of a learning curve.

Given the expense, the necessity of 3rd party oversight, the nebulous nature of DOL interpretation, and the likelihood of inadvertent violation, why even discuss this?