One of the conditions and maybe the most important one.

[Terpe]

Thanks steve I will be really stressed out when the time comes. In fact I am stressed now and she has not taken the english test yet. Im just afraid of the heartbreak it will cause if she cant come here. Never mind the £1620 in lost visa fees. The ukba advisor said it will be ok though so we will see.

I'll stick my neck out here and say it's NOT that difficult to comply with UKBA requirements for settlement route visa's.
Refusals remain low.
Even then more than 60% of appeals win through.

The key is simply to comply fully with the requirements. Don't fall into the trap of taking risks on a weak submission.