Ok so I've looked and looked and the only guidance I see is for HO insurance on refinance loans. I have a situation in which the HO insurance premium was NOT disclosed in block 11 for a purchase. I understand that this must be disclosed on the GFE however it is not included in the tolerances, therefore an omission would not lead to any sort of tolerance credit right? Is this basically something that we can document and train on and not have it become a pattern or practice and we're good? Or is there something much more to it than that?