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I am curious how much you paid prior to getting a referral? Since its such a long time for a referral, I would hate to fork out a ton of money and then something happens that you can't complete the adoption. Anything can happen in 3 years time!!!!
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We've paid about $10,000 so far, then will pay $16,500 upon getting a referral, plus travel fees.
It's definitely less than 50%, but I will say that we went through a 6-month period this year when we thought we would have to leave our agency and start over at a new one, and losing the $10,000 felt like a lot at the time.