<html><div style='background-color:'><DIV class=RTE>Hello list,</DIV> <DIV class=RTE> </DIV> <DIV class=RTE>I am writing this time because I am preparing to become a member of PTG (Austin or San Antonio Chapter - can't make up my mind though San Antonio is closer to me - 5 hours away instead of 6).  I started to apply on-line and was surprised to find a $150.00 processing fee.  Does anyone know if you apply by phone if the same fee applies?  It's Saturday and I wanted to get it done before Monday if I can. </DIV> <DIV class=RTE> </DIV> <DIV class=RTE>Also, I noticed that the San Francisco chapter has a library that loans pace and other materials for study.  I would be interested in that if you can be a member of a texas chapter and still borrow.  Or i could borrow from a texas chapter if one has a loaning library?  I know it sounds like I'm being cheap but the truth is I have had a rough year - won't go into detail but it involved surgery - and now I'm living month to month and trying to build my business back up.  So money is an issue.  Please in your responses don't beat me up too bad for asking!</DIV> <DIV class=RTE> </DIV> <DIV class=RTE>Thanks,</DIV> <DIV class=RTE> </DIV> <DIV class=RTE>Living in the not so dry these days West Texas and tryin' to love it...........</DIV> <DIV class=RTE> </DIV> <DIV class=RTE>Steven</DIV></div><br clear=all><hr> <a href="http://g.msn.com/8HMBENUS/2734??PS=47575" target="_top">See what you’re getting into…before you go there </a> </html>