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[Music] this presentations regarding how to read a settlement adjustment sheet we often get questions regarding the settlement adjustment sheet and the funding cost statement these two documents which you can see before you are sent to you a few days before we complete your purchase of any new property the reasons we send these two documents are one for you to see how much your lender is providing and if there is a shortfall for you to take that matter up with the lender or for you to know how much of a shortfall you are required to make up as you can see from the funding and cost sheet the amount you need to pay in this particular example is sixty one thousand thirty six dollars and 64 cents these documents essential for you to check the figures and if you have any issues with the lender as to the amount the lender is lending you can then take the matter up with the lender or for you to arrange the shortfall to be provided to us so we can complete the purchase on your behalf in some...