I'll relieve you of your confusion. Get a simulator (G2 is nice), and an instructor, and a stack of $100 bills. Fly your plane of choice in the simulator with instructor assistance. Every time you crash, place a few $100 bills in a second stack. The instructor should be able to tell you how many bills are required (1-5). When you've moved all of the $100 bills from the first to the second stack, repeat the excersize with the PT-40.