I think my brain has locked up. This is our first venture into HELOC advertising having any specific information in them, and I want to make sure I know what to tell our retail people.

We want to advertise APRs in HELOC ads. First question, is the APR a triggering term? Second, and I think I know this answer, if our current rate is at the bank's floor and the fully indexed rate would be lower, do we have to state with equal prominence what the rate would be applying the index and margin? I think we do.