Paul these too were my questions. I have no answers yet. I did write to Nate, and covered most of what you have said here, now all I have to do is wait. But waiting I have done, as NO ONE seems to want to address these questions we have. I did go to the chipboard long enough to get Nate's address. The posting of the slotcard chapter is there too. Like you, if I have to join a chapter in order to get a trade session, I will, but not because I want to with no benefits. What is the reason???? I will let the board know what Nate has to say...if I hear from him. Pat