When we disclose an early TIL for an adjustable rate mortgage, we use the most recent available corresponding Treasury index figure when calculating the second payment stream for the APR. If the loan closed several weeks later and we use the most recent index figure, the APR can change over the 1/8 tolerance. Would we be able to give the new TIL at closing, and use the 3 day Right of Recission as the 3 day waiting period before consummation?