We typically do not run into the situation where the customer doesn't want to provide demographic information. In one case we had the customer indicate, "I do not wish to provide this information" for the Race category. It's my understanding if the application was taken face to face then the lender is to make a choice based on visual observation. Are we then required, for HMDA purposes, to indicate what the customer marked or what the lender decided based on visual observation on the HMDA LAR?