A. As a rule, if you are an independent contractor unless the contract says something different, anything you create belongs to you, with a licence for your client to use the materials for a limited time or limited purpose. There are variations on this, and some clients will want you to create bespoke content and programmes for them and will want ownership of the IP. If there is any overlap between the bespoke programme and what you use in your practice, it is important to ensure that this is correctly separated out and protected.