These are identical to the conversations LAMBA had. The membership hit is actually pretty complicated to fathom/model all the possibilities but if approached correctly can be minimized. Some of your members are already IMBA members and you will get a cut of that now. If you can convince others to "donate" the extra they would normally pay over the amount of a basic IMBA membership directly to FORC then effectively the % is less than 60.

One extra 500 dollar donation from a business because you are 501c3 makes up a good chunk of your loss.

Having reserves is important but smart people will be able to full that gap in less than 2 years.

My 2 cents.