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I view it in the same way as software. If I pay to have software custom written (not that I do, I write my own ;-) then I would expect the full source to go with it. If I need to change something minor, I want to be able to do it myself, and I don't want to be locked into having to work with a busy programmer or designer who might not have time to effect changes straight away. If the contracter totally drops the ball, I at least want to have something I can take to someone else to get fixed (be it psds or source code) - or else I'm left with nothing.
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