Other than the specific fees listed in 232.4(c)(1)(i)-(iii), do we have to add fees into the MAPR calculation that would otherwise be excluded from the finance charge? For instance, for a vehicle title loan fees excluded under 1026.4(e)(1) (ex. filing fee) or for a land only loan fees excluded under 1026.4(c)(7) (ex. appraisal fee)?