A fiver is indeed a modest fee, in fact you could describe it as a bargain. It might be worth considering giving forum members who pay the fiver the reduction off their membership of the Fan Club should they decide to join after registering and paying here?
How about making it a voluntary minimum of a fiver, that way there's a chance that those in a slightly better fiscal position can sponsor the site by contributing a little more? I've seen this scheme work on a another forum and it certainly eases the load on the running costs.
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