Ok well in my case it would be different. I am a high school student that is an expert at HTML and CSS. Also I am learning PHP and I would like to start my own web site design company. I am going for this as a career and go to tech school but I would love to have my own business. I already have clients and I am getting my reputation ready for when I actually become professional. But I just want some advice and some answers to my question. I also have my terms of service all written up and ready to go.