Unfortunately, we received the issued policy after the CD had been provided to the customer. The coverage was confirmed, but no one noticed the variance in the premium until after closing. We sent a corrected CD and provided the small refund to the borrower. The good thing was that the initial escrow disclosure had not been sent, so we were able to provide an accurate initial Escrow Discl. Did we overcomplicate this? Should we have just left it alone until, as you mentioned, year end analysis to identify any overage?