It appears that a few aren't going to be happy unless they get full benefits for nothing and probably reduced dues at the club level as well + a tiered system where the GS and Jet's carry most of the burden for everyone. It's not going to happen. Why don't you all just start your own insurance agency and set it up how you like it? Now would be a GREAT time to do it as it's been stated that PF's outnumber all of the rest by incredible #'s... You can set the price for PF's at $10 and GS at $100 then....