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It is an instant decision, no different than any any other actual instant decision processlol this email says in most cases receive a decision in 10 mins or less ? The trans dude on baseballs video said it's instant all the time . Here's the bottom line . The products super expensive and it's only for people in terrible health . If Trans starts messing around and denying stuff this products doa. It makes no sense what they didn't also want a competitive product in addition to this for some good business .