I think what I come to understand when I look at these numbers, is that a denial is a normal outcome, NOT an exception. Denials happen all the time and that is a normal thing. But when I see posts of denials here, most of us are treating denials as an exception, something not normal. More than 1 million denials over the last decade or so say otherwise. Most importantly, the million plus denied people surely re-applied and got approvals...which theoretically means a denial is not the end of the road?