A contractor doesn't just pull up to the plane and start stuffing things in the cargo bins. The airline's personnel has the responsibility to inspect and insure it is safe and conforms to the regs. I once had a crew chief refuse a load because in his opinion it was not properly packaged. I went down the jetway and thanked him personalty for keeping my crew and passengers safe. I wonder if that would have happened if Mr Gallagher had been in charge.