Thank you everyone for your support! I'm still in discernment and probably will be for a while.
--> Wonderfulworld: When I went through Holt the fees were all included and I would imagine that still holds true. I was not going through Holt for this latest adoption but a different agency. What I meant was, if the agency in India, CARA,or the courts had denied my adoption, then I would have had to pay all over again for adopting a different child either from a differnt agency, the same agency, or a different country. In other words, one pays for a homestudy for a certain country. If that hs has to be rewritten for a different country, then an additional fee will be inccured for the additional work; or if one goes to court for child A and the court says no, then you have to pay for the process to go to court for child B because you're paying for the court costs and services.Hope that clairifies things rather than muddying them!
Hope all is going well with everyone's adoptions!
Terry in OR
Mama to Gouri, BSSK and Jai, Asharan