No worries, Chopper has agreed to teach me the ropes as far as Forum Etiquette goes, so that should be fine.
In terms of the LCA being purely an insurance requirement for the club, I stand corrected.
In this departement (county) we have 42 qualified referees to deal with some 55 matches each week-end.
The LCA (trained assistant referee) was created to avoid 2nd teams travelling long distances only to find their match cancelled due to lack of a suitable referee.
The insurance requirement springs from earlier use of untrained/unsuitable referees as a stop gap.