Cost, liability, effort. These are the right questions to ask, and they deserve direct answers rather than reassurance. This sheet answers all three, and follows each answer with the reason it holds — so it survives scrutiny from a finance director or attorney who was not in the room. Each also carries an honest caveat: the staff hours in the authorizing process, the independent attorney review that ought to happen, and the awareness effort that determines whether membership produces anything. Closes with the follow-on questions governing bodies ask next, from bond rating to withdrawal terms.
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