Final answer:
Raquel is considered a contractor since she is self-employed and works for a brokerage that does not withhold taxes from her paycheck.
Step-by-step explanation:
Raquel is considered a contractor since she is self-employed and works for a brokerage that does not withhold taxes from her paycheck. Contractors are responsible for paying their own taxes and are not considered employees of the brokerage.
Contractors are individuals who work independently and are not directly employed by a company. They typically have more flexibility in their work schedule and are responsible for managing their own taxes and business expenses.