And it's quite surprising that no-one else has ever thought of asking the question before - oh, wait a minute, what's this? 6 pages of discussion on exactly that topic...
Vern, sorry for the sarcasm, but nearly every question you have thought of about flight training (and many you haven't) have been asked and answered here. For all those new to Pprune, please look around before you post - and go first of all to the
READ THIS FIRST sticky at the top of the page, if only for the sake of the blood pressure of those of us who see - and answer - the same things over and over again.
Scroggs