Shenzhen & dnoblett, I can't say thanks enough to you both. dnoblett, you're right, it has been a tricky one. Although the instructions seem straight forward, sometimes I still mistake the meanings or context for which they were meant (Us Texans can be that way ya know? No offense Randy) I've read the 864 & 864A instruction a few times & went with which one I thought was best. For what it's worth, her retirement income amounts to little in US $$. It's her property value that we hope will make the difference. Something I've heard that may interest you. Guangzhou has only recently started accepting the intending immigrant's assets as a means of support. Exactly what they will accept remains to be seen. I will be sure to let you both know what Guangzhou tells my wife. Again, this is what my wife is hearing from sources "in the know" from Guangzhou. Thanks again for your help. I hope I can repay you guys with some good info from GZO soon. Steve