Thanks for the links to the previous discussions. I tried doing a search before I posted my question and couldn't find it (haven't perfected my search abilities yet I guess). So if I'm reading/understanding this correctly, since we did not give ROR at the initial closing, we will have to give at each subsequent advance? Or, is there a way to word an ROR that will apply to ALL subsequent advances that we can give now or at the time of the next advance (preferably now as we may not catch the next advance)?