Refernce the PFA flying, I recently did some research for BALPA trying to be realistic about the costs of flying PFA single seaters. If you flog it to death, then rates tend towards £6 per hour, but I think budgeting for £12 an hour would be more realistic. That STILL gives 400-500 hours useful flying experience for the price of an instructors rating. There are currently shares available at White Waltham, e-mail me for contact details.