I never have understood the PA deal. Georgia Canoeing Association is an
affilitate. We use ACA insurance for races and instruction, and our
trips are waivered Common Adventurer events with a "Trip Coordinator,"
who may or may not be an "officious busybody." Atlanta Kayakers, on the
other hand, has trip "hosts" who suggest a venue; that's the extent of
their administration. No waivers, no insurance, no officers, no dues,
no bylaws, just a web site and paddling events.

Steve