Shaggy - That's exactly what I've been pondering too. I think if one wears chute, all wear chute. As for bail procedure... hmmm. I've been told that in freefall tandem, the protocol on catastrophic failure is that pilot jumper goes at the bottom, so passenger gets best chance. So does that mean we wait until pax has bailed before we do? If we're near critical altitude, does that affect the answer?