I just got my reccomendation on Tuesday and have experienced mixed results with the "35 day rule". The MMC that handled my referral and another would not sell to me. Tried a third and they didn't seem to follow it. From the way the stance is worded, it sounds like to me that the MMC would only be in trouble if for some reason a person is denied within the first 35 days. Kind of tough to do when it takes them almost that long to cash the check, much less review the application.