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I don't know if I am saying quite the same thing, but different agencies have different philosophies about what it takes to complete a course. For some, the idea is to have the student demonstrate that they have they are competent and safe enough to go out on their own and get the experience it takes to achieve expert status. For others, the certification will not be granted until you have demonstrated expert status, which means you need to be pretty well on your way to expert at the start of class if you want to achieve at at its scheduled end. ...//...
Indeed. My experience is that the higher the course and instructor, the more likely you will be certed to "continue your experiential education" on your own up until the next major waypoint.
The more primary skills will get you a cert that validates that you were able to demonstrate said skills in an appropriate manner to a qualified observer (instructor) at some period in your dive history.
...//... Now here's an interesting question; let's say I pay my old PADI instructor $400 for private mentoring, but it's not a formal course. Let's say I have some sort of problem and drown on one of the training dives. Does his liability insurance cover him if my wife sues?
Richard.
In this country anybody can sue anybody else for anything. You have to pass the test of frivolous lawsuit. Pay enough and you can drive a crack in "frivolous" that you could sail the Queen Mary through.