wow, $145/yr. forget it. i am getting fleeced. as for the MSF, before 2mo ago when i took it, i had never set foot on a bike. for me, with no bike to take to the exam etc, it was the logical choice all the way around (especially logistically). it was pretty much the deciding grounds for whether to ride or not. couple of days on that 250 put me 3wks away from my BA.
