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You got to take care of the problems at home first before you look at expanding? If you don't even have the funds to cover insurance, what makes you think you have the funds to do an expansion? Trust me, it's expensive.
The older alumnae may be busy, but dues are something you really should talk about with them. There's a difference between low dues and unaffordable dues. Sometimes, you just reach that situation where the solution is not ideal and you have to compromise. This seems like one of them.
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