I'm sorry to hear that you were denied. I started the process on line and just couldn't finish it, so I had the interview in person. I was terribly nervous. She mentioned that I had started the process on-line and wondered why I didn't finish and I told her I couldn't concentrate well enough to answer the questions. I completed the long interview and thought I'll get denied for sure. But somehow 8 months later I was approved!!! I even had an attorney picked for the appeal. I don't know if the in person interview helped but I just wanted to tell my experience so others will know it's possible not to be denied the first time. Good luck to anyone who has to go through this process.