thanks for the input. I think I will challenge the 101 and take the 103. You are right that what I feel I need most is the passage making knowledge, navigation and logistical details. As an aviator, I understand the nav piece, but there is a whole book(s) of knowledge that I need to absorb to feel really competant. On the other hand, these things can be learned by taking short trips, which the bay is great for. Make my mistakes in sem-controlled circumstances. thanks again!