Joined last week and hope to be upgraded soon. As others have stated, the best deal appears to be $295 per year IF you sign up for two years. If you start an application but don't finish it, someone will contact you with this offer. Initiation fee was also waived over the phone.

On a semi-related note, I work in government and made no representations otherwise. This was never questioned and approval for FC was completed within 24 hours. Feel free to PM me if you need a code or have questions.