I hate to be a pain but I don't think I can come on Saturday.
I joined team in training and I haven't been to any of the Saturday rides and so unless someone can get me a good reason to skip it (pm me), I don't think I can make it. I met my coach today and she busted my ***. I did not appreciate that at 8:30 in the morn.

can I don't have medical insurance be my reason?