radio control model aircraft and their close-cousin, strictly hobbyist-flown FPV unmanned aerial vehicles, with the AMA as a "community-based organizational" advocate for the aeromodeler. The AMA also works with both the Federal Communications Commission and the American Radio Relay League concerning available radio bandwidth for radio-controlled aeromodelling activities, with the ARRL primarily functioning as a partner for the purpose of the use of selected amateur radio frequencies (particularly on the well-established 6-meter band, used throughout the United States and Canada) and developing use on the low-UHF 70 cm amateur band for RC flying, especially for FPV activities, (increasingly using spread spectrum transmission as 2.4 GHz RC does) by amateur radio license-holding aeromodelers, beyond the other existing low-end VHF (72 MHz) and upper-end UHF 2.4 GHz spread spectrum bands' uses for radio control aeromodeling in the two North American nations. As an associate member of the National Aeronautic Association, the AMA is recognized by the Fédération Aéronautique Internationale, the world governing body of all aviation activity. Insurance While many members view AMA insurance as the primary purpose of the organization, the insurance program is low on the list of priorities. When the organization was first formed five years before the United States' involvement began in World War II, there was no insurance program. The first offering of optional liability insurance was first suggested in 1939. $0.50 extra was to provide $500.00 liability protection. By the early 1940s, coverage was raised to $1000.00 worth of protection. By the mid-1940s the insurance program was often referred to as a "gas license" as it was becoming required for operation of gasoline-powered models at most club flying sites and for many contests. The insurance program presently offers US$2.5 million in coverage. Most leases on flying sites not owned by an aeromodeling club require adequate insurance to be carried by all people who will be flying; many clubs — the great majority of which are already "chartered clubs" within the AMA organizational structure in the United States — require AMA membership even for guests flying models at their field. AMA also offers optional site insurance which is considered to be primary coverage and is very low cost. This insurance is subsidized by part of each member's dues. There is also an additional insurance coverage for each sanctioned event. By providing the insurance, AMA makes it far easier for clubs or individuals to acquire access to flying