You could look at it like that but the other side of the coin is that you pay to do mcc and joc with ctc (you would have to do mcc with someone anyway) and then as long as they are happy with you (the stats suggest that most people get through this stage - 90% I think) you end up in the holding pool which is vastly different from doing mcc and then still having to apply to all the airlines in the hope that you might get lucky - the trouble with flying is that you spend shed loads of money training and then when you think you are qualified you find out that you still need to spend more! Sucks doesn't it?!