We treated the waiver fee as a changed circumstance since we didn't run DO until after the GFE was prepared. We gave the borrower the choice to have an appraisal or execute the waiver. They of course chose the waiver. On the changed circumstance, we removed the appraisal fee and added the appriasal waiver fee in block 3. Now that I'm thinking about it again, we might should have changed our origination to reflect the waiver fee. Our investor was okay with the way we handled it though.