The panic disorder sounds weak. Not to minimize the disease, and either because of lack of national attention or popularity, but I can see why the government would not pay for that. It does sound "trendy." The firs thing that came to my mind was whip lash or going to a phychologist for some "made up" problem. I can see the talking about your dad can help, but I'm afraid, like you mentioned in the beginning, it sounds like a cope out. I mean, every other john/jane doe had a parent that died and were affected one way or another. Isn't there any positve thing you can write about in your PS? If not, I would go with the dad story. I would drop the panic disorder part. Just my opinion. Good luck.