Some clubs are very small and user friendly so to speak and paying for instruction would not even be considered, what my gripe is is our club is one of those small clubs that would not charge for instruction and I think the paper work for the ama would put them in a position that they would charge a fee to EVERY club paid instructor or no paid instructor and I don't think the guys in my club will go for an extra insurance fee for something we will not be needing. If this goes through mark my words we will all pay for this insurance like it or not and I think the ama will end up being the looser in this one.