well Boo-Yah! Thanks SR22. That is quite a bit more encouraging. I wonder why the AOPA guy didn't have that handy. BTW - I did get my BFR (3.0 hrs ground, and 5 hrs in the air) done a few weeks ago, and I logged my first PIC time in 16 years... Feels good. I still need the training to get my skills / proficiency up, but this should save somewhere between $7k - $10k in training.