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The speaker discusses an independent contractor agreement they found online after a Google search. They note that the agreement is mediocre, not horrible but also not excellent. They express concern that providing such an incomplete document to a paying client would warrant a malpractice lawsuit. The speaker highlights several problematic points in the agreement, indicating it’s typical of agreements available on the internet. Key issues are marked in yellow to emphasize their deficiencies. Overall, the agreement serves as a reminder of the potential risks of using generic online contracts without proper legal guidance.