We are in pretty much the same situation as RolTyde. We issue a worksheet prior to obtaining an address and then we issue an updated worksheet once the address is actully obtained along wiht the GFE. As RolTyde said, this is used to show an itemization of the fees that make up each category as well as giving a cash to close scenario with seller paid fees taken into account. And we do retain this in the loan file as our investors also require it. One interesting note is that our software provider originally had all the line item numbers on the worksheet, but they recently removed them presumably upon HUD's advice.