BillH-
I think it is probably time for you to do something else. Being an Instructor just isnt it. If this is the way you treat your students/ customers you are making us all look bad. I was at ATP CRG when you were, and you neither acted like a jerk nor were you treated like one by anyone there. If you are bitter, just plan one of your trips to south america and bring your one peso bills, come back refreshed and leave the newbie's alone here.
These forums have been a great help to many with questions. They have helped me a lot. Please dont wreck the professional atmosphere with pedantic remarks.
PS- I am sure ATP would work up a program if you wanted an accelerated IRA in a multi, whether or not it would be good for you is your call. We all have opinions. As for me, I would definitely pay extra for multi- it is my drug of choice.