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hi my wife is diabetic, and has impaired kidney funtion. She is also missing her right toe which makes her partially disabelled. Her health is generally good, she works full time with no problems, but due to her kidneys its aniticpated she will likely be on diaylsis in the next 10 years. As a result we were turned down flat from our LA. We did not go beyond the home visit process. Frankly there was zero interest in us.we are now looking to go with Banardos, any advice?