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If you have a pre-approved plan that permits it, seems like it would be hard for them to argue that it isn't permissible. I wonder if some other provider might have decided not to allow it in their own pre-approved documents not due to legal reasons, but for administrative convenience. Sometimes they have some plain vanilla options only because they want only cookie cutter plans, or they don't want to deal with the 414(s) testing, or they don't want their clients to screw up because they (the clients) didn't test, etc., etc...

That is what I thought but that evil foe named "Doubt" crept in my head. :-)

Hmmm - can't recall ever having seen that up here in the frozen North, but then, I haven't looked. I'll have to keep my eye out. P.S. just googled it, and discovered it is Bourbon. Sadly, I simply can't force Bourbon past my tonsils, so I'll stick with the Scotch.