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Yes, the talents have to pay out of their own pocket if they want to do personal projects such as doing a cover songs / original songs and have music videos included or if they're doing stuff outside of Hololive promoted events. It's also been known for years that Cover doesn't cover the full costs of those but that also means that if someone wants to go all out if they want to. That's why Marine's gotten so high quality music videos for her songs, because that's what she wanted and she paid to get that made.
