I just wanted to share my good news. I finally got my approval letter today. And it has been approved from Dec. 22, 2000. I know reading about all of the times others have been approved has kept my hopes alive so I thought I would share to give others hope. I didn't have an attorney when I went before the judge, but getting this letter today says to me that was okay. And I saved the 25%. But if I had it to do all over again I would have hired an attorney so somebody else could have the headaches and stress from the fight. Good Luck to all who are still fighting. I will keep you in my prayers, Vickie C.