I guess if we did become a club the membership fees would help Chris out with the costs of the site, but would everyone join up? If we became a club would members only be able to use this forum? I think it would be unfair to the paying members if anyone could still use this forum without joining up once it became a club. Would paying members be the only people allowed to events and cruises because they would be covered by the policy? There has to be an advantage for a member over someone just signed up to the forum. I think the insurance costs would be scary, but I guess with enough members this could be offset, but on second thought would it really be needed? After all we all have our personal insurance, if I hit someone my insurance would cover that not the clubs, wouldn't it? Finally, I think Chris has done an outstanding job with this forum and I love it, the people and the info that is available at a keystroke is great! :banghead: And once Christmas is behind me I'll make a donation in January, club or not. Chris