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The way the AMA insurance is set up currently, a school would have to be at a site other than a chartered club if they were to charge to learn to fly. That means some substantial expenses; little things like the lease of land or it's purchase might just drive the price up beyond reason.
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Most are aware of the AMA NOW! It's the AMA tomorrow that I am concerned about. Many changes are needed.

In rider scale, the Instructor Pilot is always in command, so the student is NOT responsible. Same should apply to RC.

As an Instructor Pilot in the military, I was in command regardless of the rank of another pilot. When 2 IPs were together, the commander was whomever signed the flight plan.

Making changes that benefit more members should not be such a problem at the AMA EC level. Of course the voters could do that if they really wanted to.

Yesterday, some things happened that made me much more confident for the Paid Instructor at the Charter Club level without any cost to the non-involved AMA member.
In any case what is "...price up beyond reason?" Far too many people worry about other's finances. If one cannot afford something, then one pursues less expensive things. I don't race at Reno. I do RC. I wish my club had some paid instructors. I wouldn't have been instructing both Sun. and today.
So my point is: Make the changes that benefit those willing to pay for the benefits, changes that help some but don't hurt others, and let those willing to pay determine what is within THEIR reason. AMA for Tomorrow not yesterday!!!