[towerbug]

I am curious about the financial aspect in the adoption process... Do the agencies use a standard for figuring debt/income ratios?

Do you figure in furniture, personal assets, electronics, etc in your net worth statement?

(((We have student loans and drop in net worth due to huge stock losses last year)))

[DianeS]

Every agency is different, and every country is different (that matters if you're adopting internationally). Some want your net worth, some want an income-to-debt ratio, some want a certain amount of monthly income, etc.

If that's something that worries you, your best bet is just to ask that question of the agencies you're likely to choose, and allow that answer to be one of the things that affects your final decision of which to sign with.

Good luck!