Just my two cent idea. This is something all members should look into, if it be the Insurance Co in Maryland or what about our committee looking into a building site for the club. Self Insurance?? Run by the committee for a profit of course and peace of mind for us memebers. I for one would sooner pay my premium to the club than an Insurance Co. I'm sure we can do something like this. I'm also sure our leaders can come up with a better way to value our collections.