Tegam: hun. I guess I can see the point of the letter but i don't think she went the right way about it- I think she was stressing how important it is to have a midwife, but instead of just saying that she used unecessary scare tactics. Which I really think you didn't need to hear because your distressed enough as it is about the situation. Stop doubting yourself hun, if anyone was capable of birthing on your own it'd be you. Trust your body and i'm sure if you thought something was not right you could call an ambulance. So now you've got to think whether forking out the money for a midwife who may not make it is worth it? Also if you are not comfortable with this midwife are there any other IM in the area that you could use that may not be as expensive. Either that or you can come live with me for the last month of the pregnancy and use my IM, she only charges per hour + fee for the paper work. Sorry im not very helpful you are usually the one with the wise words!