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This actually happened to me once. The captain said "continuing" at minimums. I said, "continuing where? it's all fog!" he said, "we can make it." I said, "Come on <name withheld>, this is stupid, lets get out of here." His reply was, 'Ok you're right, call the miss, set max power, flaps 17, positive rate gear up. Hey I'm sorry John, that was crazy!"
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That's a lot to happen from 200 feet down. If that conversation really happens you'd be doing the go-around at 10 feet.
If this situation happens, call "no contact, missed approach" at DA. If the captain does not respond, look at them, and say loudly "MISSED APPROACH, MISSED APPROACH, MISSED APPROACH." Hopefully at this time they will react. If not, they might be so focused on the approach they have blocked everything out.
Now at this point you have two options. Attempt to take controls, which really isn't recommended. You don't want to be fighting for the controls at less than 200 feet AGL. Ideally, if you began the approach legally per Part 121, the clouds and visibility were above minimums to start, so you'll probably break out at some point (you hope!). So I'd put my hands on the controls and start secondarily flying the airplane. You'll notice if the captain is still flying based on the control movements. If they are driving the plane into the ground (ie NOT flaring/flying), fly the plane into the flare and landing.
Why do I say not execute the go-around? Well at this point in the approach you are so low that if you decide to add power and pitch up, the captain may fight you and push DOWN. This would mean go-around power and a nose-down attitude, fighting for the controls. This is not a situation I'd like to find myself in.
This is not one of those "never happens" situations. I had something similar happen, but not for a public forum. Basically what I'm saying is be ready for anything, and don't be afraid to do things that will save BOTH your asses and the asses of the however-many-folks in back. By saying the above (missed approach many times, clearly and loudly) you also have it on the CVR that you recognized the situation and as PNF took action. That is important should the outcome of the approach be not what you hope.
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Ok, a few good questions now:
1) You are walking down the street on a layover, and notice your captain walking towards you waving to get your attention, wearing a dress. What would you say?
2) You are at cruise and look out, noticing a LOT of ice on the wings. You have the deice and anti-ice equipment on, but it seems like too much for the system to handle. You also notice airspeed decaying. What do you say?
The captain doesn't respond. What do you say?
Airspeed is now 25 knots below what it was earlier in cruise. The captain says everything is fine, "I've seen worse than this!" What do you say?
35 knots below cruise. What do you say?
3) During the takeoff run, when the captain is supposed to call for "my controls" he does not. You are now at 90 knots, and V1 is 120 knots. What do you do?