Management has directed we support a loan program with one of our area developers. The loan purpose is for energy improvements with 10 year terms, fixed rate, secured by UCCs on the improvement (say solar windows, 10,000-50,000 only, the developer to collect the applications and send to us and the developer is providing a 10% reserve for each deal. This program was originally offered by the State of California but they have dicontinued it for now. I know we have HMDA, CIP, rescission, adverse action issues. What about early disclosures? I have talked to two examiners and got two different answers???? Anything else???