Answer to Question 1:
To be totally legal, and to ensure that you are not involved in a copyright battle, you might have to buy, either online or a commercial clip art package from a software company, clip art to use for commercial profit. However, you will need to ensure that you can use the products you buy to create products to sell. Even the graphics packages you buy at your local computer store may have terms of usage that limits the amount of clip art you can use for commercial projects or limits the clip art only to be used on personal projects, such as scrapbooking, etc.
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