Sense This would be a choice, CLUBS could choose not to Participate at all, they may choose not to allow Individuals to use thier fields By paid instructors. ALL anybody is really asking the AMA for is the option of buying additional insurance if they choose to have such a program or choose to allow paid instructors to use thier field the instructor could Buy additional insurance to cover the Club and Land owner. Nobody wants th change the way clubs have been doing things , but thier are clearly areas and people who would be willing to pay to get more for thier time.