So, David, if we do a construction-only loan, with the perm financing portion of the loan undecided as the customer has stated they do not know where they want to get the perm financing, can we only do the RESPA disclosures for the construction phase initially, and then at the end of construction when the customer decides who they want to do the perm financing, do the RESPA disclosures for the perm portion if they decide to use us?
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Giddy up.