Can I not ask a doubt? Idea or rather intention here is to understand refusal reason better so even if I intend to reapply later (which is highly doubtful at the moment) I can carefully address the VO concerns next time. Not just for me but also for many others who could probably be struggling with same doubts or concerns. Questions raised were with genuine intentions seeking some expert advise/thoughts here, please do not misinterpret ones true intention and motivation to fix things that can probably be fixed with careful considerations next time. I do respect VO decision and thought I mucked up somewhere. Well , if you read my post with genuine interest to help you would understand just like others did. Thank you for your time.