well i look at it this way. if the insurance is only 15% of our dues and the rag they put out is 22% why not offer the option not to take the rag and to add that 22% to cover double the insurance cost. there are those that read the mag and those that dont why not have a tiered type membership too. take the rag pay th current rate, dont take the rag subtract 22% from the cost, those with larger aircraft wanting to pay the double insurance and not take the rag pay current price, those that want extra insurance and the rag add 15% makes it so much simpler

Joe