Understand, but what I am trying to decipher from your post is have you been in for 20 Years, and if not, why are you trying to up the DOS rating if you hit 100% from the VA which will pay higher than the DOD rating. And I got my information directly from BAMC (they tend to have a little bit more knowledge on these things than a lawyer)Appreciate your input but that's not what my lawyer said. We shall see. I'll update when I have more information.