Ok, so the more I read the more I get confused. My senior claims guy said my claim (initial) was tagged ready to rate on 11/5/10 at Atl, GA VRO. Is that what being called the "decission phase"? Filed hardship 12/3/10 and senior claims rep stated RO lady just requested my file that day. Whats that mean? What phase am I in? Claim matures to 12 mon in Jan 2011.