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lets go to page nine and talk about that initial disclosure that we have to given and how do we come up with this and uh understanding its content so first off the initial disclosure has to be given to them look at this here at a1 on new loans at settlement that would make sense right along with their you know their closing disclosure and all those types of things but it says or within 45 days now that seems kind of odd to me that you would have somebody tell them theyre going to do an escrow account but then give them this disclosure 45 days later its almost anti-consumer friendly its kind of an oddly written regulation so i would encourage you give it to them before youre gonna require them to pay in letter b there is a kind of interesting one i probably all of you had someone that didnt pay their taxes on time if youre not escrowing for them or they didnt pay their insurance and now we get a notice that theyre delinquent on those things i woul
