It is my understanding as stated above about the captains license. I hold a captains license but am not a charter. I decided to get it in hopes of having a nice retirement job some day. I work a full time job that requires a lot of overtime most weeks so my time on the water is very limited. Hard to compete in the pro division with guys who charter and have a great network of friends on the water everyday and know where the fish are. I have to figure it out every time I get on the water. By no means am I putting them down but I just don't feel like making a financial donation just to say i fished a pro am. And yes every dog has its day but I think you get my point. I love to fish and like the competitive nature of tourneys which is why I do fish the smaller events like the challenges.