That's interesting, ELA.

Do you mind me asking what kind of work you did ?

I wonder if it has something to do with the level of education attained/level of income attained, blue collar vs white collar, etc.

I know that length of time until retirement can influence the decision on approval vs denial. I wonder if age influences their decision on whether or not to have a VS present.

I wonder if Janke or Trudy could shed some light on the VS issue.