Ok awesome, great info, thanks!

I'll have to go dig out the old mail pile and see what I can find on the insurance. I could have sworn I saw it but I thought it was "You can sign up", not "you're already signed up!".

I had no idea it was that much for ALPA though! I thought it was just a pilot's base salary (Hourly x guarantee x 12). That seems like a lot of money if you manage to work a lot of hours!