Spoken like a true FI....
I have verified the situation with PLD and they see nothing wrong with my method. I am not an hours builder and don't really care about taking hours.
In the even of a problem as an Instructor I am deemed to be able to deal with a situation. Should the P1 be unable to deal with such a situation then I would take over. Otherwise I am perfectly happy to be a passenger.
Everyone is entitled to there view but lets not try and hide behind Insurance companies as usual.