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The above posters covered a lot of the questions you asked, but I just wanted to add that the wait from initial application to arrival home has recently been a lot longer than the wait from referral to arrival. In our case, we were told that the total process from initial application was going to average around 1 1/2 years, but now the wait is closer to 2 years total. Our agency is the largest in the country. Some other agencies have stopped accepting applications for Korea because there were so few referrals even before the slow down.
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