Spacemann, I'm not 100% sure, but considering that this was mailed along with a Loss of License brochure, I'm guessing its coming out of that budget. And I'm pretty sure the member benefit programs are completely separate and independent financially from ALPA. I.e. the programs are structured such that they are "break even". So, in reality, those who buy insurance through ALPA were the only ones that paid the 0.3 cents. But wait, if one more guys signs up, thereby spreading out the overhead, then those guys who buy insurance actually will SAVE 0.3 cents, or something like that.

As for me, I enjoyed the afternoon coffee break. I don't normally do instant, but I am a cheap pilot, and free is free.