It’s hardly only photojournalism, or even only journalism, that’s shifting from using staff employees to using freelancers or subcontracted temp agencies - or even freelancers hired as freelancers by temp agencies - instead of employees now.
   One or more of the top 10 banks in the U.S. now needs lots of people to review lots of documents - presumably on loans or foreclosures; it just won’t hire them.  Instead, such “document review” work is advertised on Craigslist in Charlotte - North Carolina’s banking center.
   Response to such Craigslist ads fast finds they are run by temp agencies for paralegals - often out-of-state ones.  It’s easy to identify the giant bank involved - as it’s abbreviated in the temp agency’s response email.  While that bank is in plenty of problems from its mortgage and foreclosure practices and will need such work for quite some time, it’s not hiring the paralegals - and law-school grads who haven’t yet passed the bar exam and even lawyers; it obviously doesn’t want them as its own employees - with all the nonwage costs that would bring, such as unemployment insurance, workers-comp insurance, Obamacare, and paperwork.
    Oh - and it’s hardly just photojournalists and other journalists now finding it hard to find full employment in this “recovery”; the temp agency’s response emails say lawyers will be paid as paralegals at $12 per hour.