6 weeks prior to expiration: email message: Your HBA Membership Expires Next Month.msg
~30 days prior to expiration: text message (if opted in)
20 days prior to expiration: email message: Your HBA membership is about to expire.msg
2 weeks prior to expiration: phone message (if opted in)
5 days post-expiration: email message: Your HBA Membership Expired.msg
3 weeks post-expiration: phone message (if opted in)
