Ed--in response to your questions about our insurance policy--Yes, there was a policy purchased at our March meeting.  It replaced our corporate liability policy that had inadvertently lapsed about 2 years ago.  It is a general liability policy covering any HPOCA member at any HPOCA event.  The annual premium is $3021, plus taxes and fees, total $3221.  A copy of the policy is available for inspection to any HPOCA member, as it is the clubs policy.  If you want a copy, please let me know of what you want.  The total policy is approx. 40 pages, as insurance forms are lengthy.   I had originally asked 6 insurance agents to quote on this coverage.  2 declined, 2 later said that their company would not quote this coverage because of the wide geographic areas in which we hold events, and 2 returned quotes.  1 quote was for approx. $7000, and one for $3000.  We purchased the $3000 policy, which was from the daughter of a board member, who is also a HPOCA member.  I believe that her efforts on our behalf are what enabled us to purchase insurance at a much more reasonable rate.  Terry.