Sorry Krankie, we have been in the "system" for 11 years fighting. We have had settlement hearings only to be sent to another examiner for something else again. Might be our attorney, might just be the complicated nature of the case and the fact that the case when it is over will be significant. Don't let them knock you down. They hope you are weak and tired so they can settle with you for less-just think it out very clearly ahead of time and don't cave in.