I have had them prorate me when I came in late. I pay the dues and am thankful to do it. If not for the AMA I would not even be flying. We would not have a field to fly from or frequencies to fly on. The jurisdiction of our field would not allow us to use the site if we could not provide insurance to protect them from liability. You go out and buy insurance on an individual basis and see how much it would cost you. more than 58 bucks I'll bet.I only have one thing to say to all you complainersif you hate the AMA so much why don't you just quit and let the rest of us fly in pease.