Re the diff between a "school" and a "club": I can't see there can be much.
Neither can lose money in the long run, so both must charge enough to cover their fixed costs.
I suppose a "school" might have an absent owner who is looking for a return on his capital (the traditional business scenario) but if the owner is working there then there's no difference between him drawing a salary and a "club" employing a full-time manager drawing a salary.
So there's no difference. Given the same expenses, they should both charge the same amount.
Of course, a "club" will have a bar
