I hate beating this horse to death...but...my friend has just gone through the 5 year temporary residence requirement and is about to transition to a Permanent Residencea. (I already have my 3rd Perm. so I cannot help her). So...here we go. Should or can she "apply online" first before the trip to the capital. (I have gleaned through all the material about applying online). Do you know if she will still be required to get the insurance? My thinking is YES....but the next Perm renewal, my thinking is no. I heard a rumor that if you have your financial statements in order....you do not need the insurance.....Just a rumor that I heard. Any other tips or suggestions? Thanks in advance! Sheesh!!! Respectfully :ermm: