Ma pani business related subject ma nai bhannu paryo. My field is more concentrated in business activities in a specific region (which I will disclose if required). BTW, I am in UK hai, not US. And I am relatively new to this Phd thing. Kaile kai ta yo phd chd tyagera Haridwar Kasi tira gayera tapasya garu jasto ni lagcha :) Started it about 3 months back. Though I may not have much info related to application proceudre, please feel free to email me - by clicking my nick above - regarding any other related queries you may have. Good luck in your pursuit of further knowledge.