basically it all comes down to how simple one's finances are in my case tax forms (2years and just the 1st page), one letter from my health insurer providing proof of at least 50K coverage and my passport pages. DId all on my computer at home, within 3 weeks had the LTR. I wasn't concerned with the taxes on income as mine is a US govt civil service pension but do like no 90-day reports, getting bank letters, etc plus yearly visit if necessary for address confirmation seems almost too easy based on all the years of retirement O. Glad they came out with the 50% cheaper too.