i cant expand on the answer but i promise i will as soon as i find the information. The data will be skewed due to the recent near perfect safety record, generally speaking, of military pilots who are all "low timers." That data is published somewhere.

after filtering that data just to the airline, corporate, and GA world, Ill see what I can do. Youre right about the insurance thing, please tell me where they get their data from. Youre a very challenging teacher I may have to drop your course!