What if an FBO, that has a couple of rental aircraft, rents one to a non-pilot individual and then that individual in turn hires a qualified pilot to fly him and his dog from point a to b in this rented aircraft? Now the pilot does NOT work for the FBO but does meet the open insurance policy to act as PIC of said rental aircraft and has previously been checked out in the airplane. The non-pilot renter pays the FBO and the pilot seperately when he and his dog get back from his point "b" trip. The pilot and the FBO are seperate and neither advertise as any sort of charter service. The FBO just says we rent aircraft if you are qualified, or have a qualified person flying you. The pilot just by word of mouth says he will fly you in your aircraft or one that you can use for say $50 bucks an hour. The FBO, when asked about pilots says they don't provide pilots just airplane rental, although we can give you the names of some of our happy rental customers to see who flew them. The previous customers gladly give out the pilots name and phone number. talk about 134 1/2!