:blush: I only just recently finalised payment to my IM's! I think they knew we were resisting the payment plan thing, cos DP was sure we'd be able to pay for each appointment at the time. I feel bad because I know they're not on salary.
Appointments definitely are not restricted to an hour and my DS is convinced all midwives are called Helen and Nicola (oh, and Lynne and Santo from Chrissy Butler's book!!). He was definitely comfy with their presence and didn't feel restricted - as you would have seen from our HB photos and his 'ottering' in the birth pool!