Testing disclosures on a one time construction/permanent close product. Our loan platform vendor does not separate the Loan Estimate and Closing Disclosure for each phase, and the one disclosure is a little confusing. If we know the interest rate for the permanent phase would it not be disclosed somewhere on the disclosures? The permanent phase is a adjustable rate product, and the rate is known. The construction rate is disclosed under the interest rate and on the AIR table, which I believe is correct, but I could be wrong.