To the GC. Wake up you lot. Seriously, can you imagine operating an insurance company like this: "pay no premiums, for years....until you need help, then we'll cover you". Are we really that bankrupt on common sense? Either you join the union in a reasonable time frame, or you don't. That's fine. Just don't come crying when you need the help the AOA offers. Unbelievable. This is an issue that goes to the core of what the AOA stands for, the value of it's membership and the true cost of not joining. This individual made a choice over two decades. He is not welcome now.