Your Property, House, Cars, Jewelry etc. are all your assets.
Your Loans are your liabilities.
Your investments in liquid assets are your settlement funds. like. Bank Balance, Provident Fund, Fixed Deposit etc.
I agree with you Century. There are many applicants whose Ecas status is "Started Processing" but they have not received Medical Requests. I think all those applicants whose files are very clear and does not require verification gets MR within few days of ECAS update or sometime even before ECAS...
Yes there are some currency conversion charges, if we pay by DD then we also need to pay some charges. Paying online is easy, time saving and it may also be more convenient and quick for the Visa Office to charge, I guess...........
Don't worry you will get it soon, every case is different and VO is different, may be some VO's process files one at a time and others processing multiple files at a same time..... Just my opinion, don't know how correct.
1. You might be provided a link in your email to pay online.
2. Choose a Doctor from the link provided in your medical email they will themselves let you know what to do next.