Are they in a more difficult position or a different position? Or does it really still come down to the assessment of function and the diagnosis shouldn't be that important?

So it really depends who you're asking.

If you're asking the insurance company, they'll tell you that they are as objective as they can be.

And they tell you that they look at everything the same way, etc.

It's not true.

When we're talking about an insurance company, what are we talking about? We're talking about an individual person, an adjuster.

who may come from a different background than you, may have different education.

I'm glad to hear you say that because that's my opinion, but I thought better coming from you than from me.