"Consular Immigrant Visa Processing" ("Consular IV Processing") is a procedure that is available to all intending immigrants, no matter where they are located. Through this procedure, the application is made with the intending immigrant's "home" consular district. While the applicant may be anywhere in the world (including the U.S.) when the application is initiated, the applicant must attend the final interview, in person, at the consulate. Normally, consular processing takes about one week overseas. Applicants should plan on waiting three to five days for the results of their medical exams to be returned, and another morning for the actual visa processing. The authority of consular officers does not include the wide grant of discretion given to INS officers considering adjustment of status applications. A consular officer must issue n immigrant visa to an applicant who is otherwise eligible. A consular officer may not refuse to issue a visa to an eligible applicant in the exercise of discretion. If a person is found to be ineligible for an immigrant visa, that decision must be made on the basis of hard factual evidence. The applicant must be advised of the specific reason and given an opportunity to refute it. Most denials of consular immigrant visa applications are for incomplete documents. In such cases, when the applicant produces the missing documents, the application is approved. The second largest number of denials result from fraud. This typically takes the form of a false employment verification letter, a fraudulent college transcript, or a fake job offer. The remaining denials stem from applicants being subject to one of more of the grounds of exclusion