If you ARE missing something then so am I!
I'm planning to join before my next trip... and (unconsciously) assumed I could do so online in a few minutes....
Glad I HAVE some time in hand.... think I'll call and get them to SEND me the forms...

My printer hates stuff like that anyway!!!
The GOOD news is, that while it doesn't seem to be in the T's & C's the advice given in the NZ info thread by Kiwi Flyer is still valid - according to "Clare" at the KC admin e-mail contact anyway!!.. If you hit Gold during the first 9 months of membership you can get a pro rata refund of the m'ship fee.... and when/if you drop out of Gold, you can "rejoin" without paying the joining fee....
That just happens to work well for me based on my expected travel....