"Dennis O'Connor" wrote in message
...
This discussion has had it's silly moments... I will simply note that
adding
the instrument rating will result in a decrease in your insurance
premium...
I will let the rocket scientists in this discussion ponder the
implications
of that...

If your implication is that the insurance companies have found that an
instrument rating improves safety, that doesn't actually follow. It could
be that the rating is diagnostic, rather than causative, of above-average
safety. You can't tell just from the correlation.

--Gary

denny