This may be a duhhh question, but I'm not specifically finding it in the code. On a credit agreement and disclosure, do we actually have to state that the maximum rate is 21% or can we simply state "....Nor will the periodic rate or corresponding Annual Percentage Rate exceed the maximum rrate allowed by applicable law." I had an internal auditor ask me because we typically have the 21% on the disclosure, but it for some reason was not typed in on an agreement she was reviewing. Any comment appreciated. Thanks!