True,.. but the actual course is at the discretion of the club not the CFO. Hence why the club can exempt anyone they wish and the CFO cannot say squat about it. (Trust me I've done it)
very true and it does vary depending on the club.. but IMO that is how it should be.. the club is whom you deal with and it is up to them and/or their BOD to decide what they want for a course etc etc. No idiotic oversight by the CFO ever needed