In addition, you will probably see the follow as part of the refusal:
The above phrase is fairly standard on refusals, and is a direct copy of a friend's refusal.
Whilst I am fortunate enough never to have been refused, I know loads who have. Confidence is certainly not a word that bodes well with UK Visa applications.
They are usually very abusive, and if you read their rule book, they can get away with it. Certainly if they worked for me, they would not be allowed to.
As to whether the reasons are standard, here are a couple more extracts giving their reasons:
I've blacked out names to protect those who were refused.
Your best bet, if you're serious is to leave it a couple of months, and then re-apply. I've heard rumour (not susbtantiated) that they don't like issuing visitor visas for couples who have not been in a relationship for more than 2 years - even then, they still want proof that the visitor will leave within the period of the visa. The other option (much better for a short term relationship) is to apply for a fiancee visa. This would give your lady up to 6 months in the UK to decide if she likes it here (and if she still likes you

).
Whatever, I think you have saved yourself a lot of money by doing it yourself, and I don't think the result would have been any different.