Thanks for your learned reply. Seems that the APA are following what I saw happening in Canada in the early 90's. They went preferred provied via large clinic groups crazy. A lot made a lot of short term income, As you say the patients knew no better. Eventually the law stepped in and acknowledged the anti-competitive nature of what was going on and banned this preferred practice. The big clinics (including one I was working at) that were heavily exposed went under and became solo operations again. I think I may start a physio group section for this where people with various country perspectives can add commentary that perhaps may get picked up as points to discuss or ponder at association levels. As for the APA, well in the early 2000's Physiobase provided options and services that gave the APA a real shake-up. They weren't servicing their members long-term interests at all and they we financially in trouble. People don't' forget! I am pleased to say the competition did force the APA to get their act together, restructure, plan and provide better user benefits (not just what was a monopolistic place to get PI cover). They lost that battle. I fear now they are in danger of having members rise up again and defect in large numbers if the physio's , especially new graduates wake up. Really they act like they are some dictatorship some times that all should follow as they know best. Time will prove them wrong. Anyway I am now just personally ranting.....