>>>I wasn't going to reply to your post ... but I can't help myself

I'm kinda like that car wreck everyone has to slow down to see...

>>>One never knows when/if a benefactor may come along

I honestly hope it happens. I have the disadvantage of having to deal with the actual facts on the table.

>>>It's a well-established fact that hundreds of club members do not renew their dues each year.

I wonder why?