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08/23/2019 00:35 coup 107
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08/23/2019 00:35 coup 107
08/23/2019 00:35 X173 27
08/23/2019 00:35 L268 1
08/23/2019 00:35 Divis 7
08/23/2019 00:35 3257 13
08/23/2019 00:35 3165 3
08/23/2019 00:35 final closing disclosure 3
08/23/2019 00:35 1 19,623
08/23/2019 00:35 Tota 1,161
08/23/2019 00:35 CD3.X1522 1
08/23/2019 00:35 LOCKRATE.DENIED.2089 1
08/23/2019 00:35 910 85
08/23/2019 00:35 requested date 10
08/23/2019 00:35 Document Type Code 1
08/23/2019 00:35 mar 2,182
08/23/2019 00:35 billing 3
08/23/2019 00:34 l770 1
08/23/2019 00:34 calc 203
08/23/2019 00:34 original 37
08/23/2019 00:34 description 399
08/23/2019 00:34 applica 79
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08/23/2019 00:33 x988 5
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08/23/2019 00:33 FL002 6
08/23/2019 00:33 investor 640
08/23/2019 00:33 cushion 10
08/23/2019 00:33 coborrower age 19
08/23/2019 00:33 county 82
08/23/2019 00:33 Note date 9
08/23/2019 00:33 term 220
08/23/2019 00:32 AUS Loan 28
08/23/2019 00:32 rate s 11,879
08/23/2019 00:32 ms. 31
08/23/2019 00:32 Consent Date 21
08/23/2019 00:32 V 10,442
08/23/2019 00:32 lender credits 7
08/23/2019 00:31 Co-Borr E 496
08/23/2019 00:31 insurance name 11
08/23/2019 00:31 credit 473
08/23/2019 00:31 NEWHUD.X1246 1
08/23/2019 00:31 AUS.X34 2
08/23/2019 00:31 file contacts investor 31
08/23/2019 00:31 ma 4,548
08/23/2019 00:31 endorsement 44
08/23/2019 00:31 County Cod 2
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08/23/2019 00:31 1179 4
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08/23/2019 00:30 3196 2
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08/23/2019 00:30 project 202
08/23/2019 00:30 disclosure.x280 1
08/23/2019 00:30 management 362
08/23/2019 00:30 fees 1,852
08/23/2019 00:30 Rate Lo 13,884
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08/23/2019 00:29 document 490
08/23/2019 00:29 0009 25
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08/23/2019 00:29 MORTGAGE P 378
08/23/2019 00:29 in 16,121
08/23/2019 00:29 967 22
08/23/2019 00:29 sce 89
08/23/2019 00:29 % down 3
08/23/2019 00:29 conf 1,173
08/23/2019 00:29 2379 2
08/23/2019 00:29 ap 1,475
08/23/2019 00:29 38 1,420
08/23/2019 00:28 LE Loan 256
08/23/2019 00:28 Co-app 3
08/23/2019 00:28 Mortgage Property Ci 4
08/23/2019 00:28 lock 11,702
08/23/2019 00:28 limit 66
08/23/2019 00:28 real estate 37
08/23/2019 00:28 X12 501
08/23/2019 00:28 atten 12
08/23/2019 00:28 settle 126
08/23/2019 00:28 Credit ref 9
08/23/2019 00:27 lead source 2
08/23/2019 00:27 delivery m 33
08/23/2019 00:27 fee 8,153
08/23/2019 00:27 revolving 1
08/23/2019 00:27 buysi 156
08/23/2019 00:27 depreciation 12
08/23/2019 00:27 den 3,948
08/23/2019 00:27 case 24
08/23/2019 00:27 credits 50
08/23/2019 00:27 m 21,621
08/23/2019 00:27 amortiza 32
08/23/2019 00:26 impou 59
08/23/2019 00:26 rate lock sell 2,354
08/23/2019 00:26 MO 10,512
08/23/2019 00:26 disclosedgfe 219
08/23/2019 00:26 finance type 12
08/23/2019 00:26 3009 2
08/23/2019 00:26 usda.x52 1
08/23/2019 00:26 2961 13
08/23/2019 00:26 140 101
08/23/2019 00:26 Dsbmt Sum 32
08/23/2019 00:26 loan program 75
08/23/2019 00:26 LE initial Disclosure Date 3
08/23/2019 00:26 1101 308
08/23/2019 00:25 1527 3
08/23/2019 00:25 doc type 80
08/23/2019 00:25 Loan disclose 25
08/23/2019 00:25 ot 3,454
08/23/2019 00:25 DENI 3,513
08/23/2019 00:25 dispositi 2
08/23/2019 00:25 demonstrate 24
08/23/2019 00:25 Borr Hispanic or Latino Indicator 6
08/23/2019 00:25 ecoa 14
08/23/2019 00:25 HUD Act 13
08/23/2019 00:25 vend.x293 1
08/23/2019 00:25 Second Subordinate 12
08/23/2019 00:25 714 22
08/23/2019 00:25 sys.x2 104
08/23/2019 00:24 mar 2,182
08/23/2019 00:24 ptf 11
08/23/2019 00:24 Transaction Cost 1
08/23/2019 00:24 gseve 58
08/23/2019 00:24 Initial Interest Rate 11
08/23/2019 00:24 LOCKRATE 10,518
08/23/2019 00:24 AUSTRACKING.AUS 192
08/23/2019 00:24 mortgage t 542
08/23/2019 00:24 4519 13
08/23/2019 00:24 4143 2
08/23/2019 00:24 FR0208 1
08/23/2019 00:24 Liabilities ID 2
08/23/2019 00:23 qm status 6
08/23/2019 00:23 va insp 2
08/23/2019 00:23 TOTAL 1,116
08/23/2019 00:23 allow 133
08/23/2019 00:23 newhud.x1150 1
08/23/2019 00:23 bE0005 2
08/23/2019 00:23 iMPOUNDS 35
08/23/2019 00:23 capital 1
08/23/2019 00:22 Trans Details Hoe 1
08/23/2019 00:22 trans id 29
08/23/2019 00:22 edisclosed2015trk.edisclosureborrowerconse 1
08/23/2019 00:22 su 3,974
08/23/2019 00:22 land trust 1
08/23/2019 00:22 room 7
08/23/2019 00:22 BE0015 2
08/23/2019 00:22 2886 13
08/23/2019 00:22 CUST 1,180
08/23/2019 00:22 vend 1,048
08/23/2019 00:22 Fee Det 3,688
08/23/2019 00:21 may 26
08/23/2019 00:21 seller 1 1,324
08/23/2019 00:21 qm.x365 1
08/23/2019 00:21 CLEAR 29
08/23/2019 00:21 loa 1,870
08/23/2019 00:21 correspondent name 7
08/23/2019 00:21 Biz 25
08/23/2019 00:21 Bonus 48
08/23/2019 00:21 miscellaneo 14
08/23/2019 00:21 NEWHUD2.X2841 1
08/23/2019 00:21 DA 2,392
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08/23/2019 00:21 vend.x64 11
08/23/2019 00:21 1693 3
08/23/2019 00:21 count borr 94
08/23/2019 00:21 lender paid 173
08/23/2019 00:20 QM.X 373
08/23/2019 00:20 Disclosure 2,416
08/23/2019 00:20 seq 21
08/23/2019 00:20 2099 13
08/23/2019 00:20 1732 2
08/23/2019 00:20 material 8
08/23/2019 00:20 purchase advice srp 10
08/23/2019 00:20 LIEN 118
08/23/2019 00:20 2152 12
08/23/2019 00:20 Correspon 186
08/23/2019 00:20 120 512
08/23/2019 00:20 896 20
08/23/2019 00:20 AUS Reco 10
08/23/2019 00:20 credit referen 2
08/23/2019 00:20 action tak 2
08/23/2019 00:20 biwee 15
08/23/2019 00:19 1751 1
08/23/2019 00:19 fees line 1202 8
08/23/2019 00:19 loan appl 20
08/23/2019 00:19 09 953
08/23/2019 00:19 service.x8 10
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08/23/2019 00:19 portio 65
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08/23/2019 00:18 close 427
08/23/2019 00:18 existing mtg 2
08/23/2019 00:18 Income type 9
08/23/2019 00:18 flood insurance 31
08/23/2019 00:18 Title Co 102
08/23/2019 00:18 .97 12
08/23/2019 00:18 80 2,079
08/23/2019 00:18 Purch 272
08/23/2019 00:18 financed MI 6
08/23/2019 00:17 FM0032 1
08/23/2019 00:17 HMDA.X94 1
08/23/2019 00:17 P&I 9
08/23/2019 00:17 Use Alternate 2
08/23/2019 00:17 guid 66
08/23/2019 00:17 1852 2
08/23/2019 00:17 B p 14,470
08/23/2019 00:17 good 28
08/23/2019 00:17 denial.x7 10
08/23/2019 00:17 Borr Guamanian or Chamorro Indicator 2
08/23/2019 00:17 beha 63
08/23/2019 00:17 disposition status 2
08/23/2019 00:17 female 4
08/23/2019 00:17 create by 7
08/23/2019 00:17 ide 6,999
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08/23/2019 00:17 FM0 36
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08/23/2019 00:16 assessmen 22
08/23/2019 00:16 cou 699
08/23/2019 00:16 Revised LE Received 1
08/23/2019 00:16 rental 41
08/23/2019 00:16 pai 2,747
08/23/2019 00:15 credit score 77
08/23/2019 00:15 Disclosure Privacy Policy Options 2 1
08/23/2019 00:15 Describ 5
08/23/2019 00:15 Convent 11
08/23/2019 00:15 uldd 305
08/23/2019 00:15 itemize 12
08/23/2019 00:15 index type 4
08/23/2019 00:15 Property I 572
08/23/2019 00:15 disclosedtil 20
08/23/2019 00:15 qm stat 9
08/23/2019 00:15 3529 13
08/23/2019 00:15 UWC.ALLCOUNT 1
08/23/2019 00:15 le received date 10
08/23/2019 00:15 Number of months 9
08/23/2019 00:15 refinance p 52
08/23/2019 00:14 hud 92900 lt 50
08/23/2019 00:14 2150 13
08/23/2019 00:14 Te 19,028
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08/23/2019 00:14 contingen 16
08/23/2019 00:14 2087 1
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08/23/2019 00:14 2986 2
08/23/2019 00:14 zip 280
08/23/2019 00:14 DISCLOSURE.X635 1
08/23/2019 00:14 Rate 13,952
08/23/2019 00:14 205 99
08/23/2019 00:14 taxes 59
08/23/2019 00:14 VEND.X6 111
08/23/2019 00:14 3297 2
08/23/2019 00:14 eConsent Stat 13
08/23/2019 00:14 seller cost 6
08/23/2019 00:14 ULDD.REFINANCECASHOUTAMOUN 1
08/23/2019 00:13 ULDD.GNM.MrtggPrgrmType 1
08/23/2019 00:13 required 157
08/23/2019 00:13 ratio bottom 16
08/23/2019 00:13 Borr Race Info not provid 2
08/23/2019 00:13 UL 332
08/23/2019 00:13 BORPCC 1
08/23/2019 00:13 Assets 97
08/23/2019 00:13 ULDD.FRE.Downpmt2sourcetype 2
08/23/2019 00:13 051 17
08/23/2019 00:13 fv.x345 1
08/23/2019 00:13 va number 7
08/23/2019 00:13 e note 126
08/23/2019 00:13 ETS 99
08/23/2019 00:12 under writer 48
08/23/2019 00:12 loan processor 20
08/23/2019 00:12 CD4 36
08/23/2019 00:12 Ter 1,066
08/23/2019 00:12 other pacific islander 4
08/23/2019 00:12 MI coverage 1
08/23/2019 00:12 estim 346
08/23/2019 00:12 Borrower In 1,626
08/23/2019 00:12 actual 64
08/23/2019 00:12 sn 633
08/23/2019 00:12 appraisal rec 1
08/23/2019 00:12 closing COUNTY 10
08/23/2019 00:11 uldd.x4 11
08/23/2019 00:11 gift 16
08/23/2019 00:11 borr addres 60
08/23/2019 00:11 loan Purpose 43
08/23/2019 00:11 ED 9,467
08/23/2019 00:11 state per loan 8
08/23/2019 00:11 interest rate reduct 1
08/23/2019 00:11 escrow rate 1
08/23/2019 00:11 Rate Lock Request Bas 5,076
08/23/2019 00:11 underwriting ap 26
08/23/2019 00:11 ms.pr 2
08/23/2019 00:11 3255 2
08/23/2019 00:11 2892 13
08/23/2019 00:11 fire 2
08/23/2019 00:11 2977 1
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08/23/2019 00:11 24 1,848
08/23/2019 00:11 company state license number 2
08/23/2019 00:11 CD5.X10 1
08/23/2019 00:10 191 54
08/23/2019 00:10 Home 210
08/23/2019 00:10 Closing Di 1,186
08/23/2019 00:10 documentatio 44
08/23/2019 00:10 trigger 5
08/23/2019 00:10 fees 1,884
08/23/2019 00:10 3551 2
08/23/2019 00:10 DD0011 1
08/23/2019 00:10 log.mt.name 1
08/23/2019 00:09 closing cost exp 7
08/23/2019 00:09 C 30,430
08/23/2019 00:09 lr cou 14
08/23/2019 00:09 HMDA.X 96
08/23/2019 00:09 trans detail interest rate 3
08/23/2019 00:09 427 36
08/23/2019 00:09 stre 178
08/23/2019 00:08 Loan Info refi Existing lien 2
08/23/2019 00:08 466 45
08/23/2019 00:08 regz_tabletype 1
08/23/2019 00:08 milestone comments 1
08/23/2019 00:08 Undisc 29
08/23/2019 00:08 trac 603
08/23/2019 00:08 36 1,147
08/23/2019 00:08 collect 54
08/23/2019 00:08 lates 48
08/23/2019 00:08 HMDA.X36 1
08/23/2019 00:07 exceed 17
08/23/2019 00:07 paid Mortgage 43
08/23/2019 00:07 4506 T 168
08/23/2019 00:07 Purcha 221
08/23/2019 00:07 amortization months 2
08/23/2019 00:07 SP0030 1
08/23/2019 00:07 CASASRN.X107 1
08/23/2019 00:07 22 1,686
08/23/2019 00:07 Credit 470
08/23/2019 00:07 CONST.X 71
08/23/2019 00:07 newhud2.x2848 1
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08/23/2019 00:06 1178 4
08/23/2019 00:06 los 3,998
08/23/2019 00:06 down pmt 15
08/23/2019 00:06 borr 3,407
08/23/2019 00:06 construction loan type 1
08/23/2019 00:06 discharged 1
08/23/2019 00:06 t 32,264
08/23/2019 00:06 LoanTeamMember.AssociateType 1
08/23/2019 00:06 Credit Provider 5
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08/23/2019 00:05 atta 25
08/23/2019 00:05 borrower mail 7
08/23/2019 00:05 Ba 9,751
08/23/2019 00:05 new construction 7
08/23/2019 00:05 Borrow 1,993
08/23/2019 00:05 cu 2,322
08/23/2019 00:05 Debt 70
08/23/2019 00:05 title 325
08/23/2019 00:05 rate adjustm 5,053
08/23/2019 00:05 305 128
08/23/2019 00:05 SUBJECT PROPER 377
08/23/2019 00:05 texas 3
08/23/2019 00:05 Price 5,250
08/23/2019 00:05 trans details preapprovals 1
08/23/2019 00:05 4063 2
08/23/2019 00:05 fax 296
08/23/2019 00:05 uldd Construct 5
08/23/2019 00:05 DISCLOSEDTIL.DISCLOSE 2
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08/23/2019 00:04 0515 2
08/23/2019 00:04 2999 2
08/23/2019 00:04 TPO.X61 1
08/23/2019 00:04 co mortgagor 6
08/23/2019 00:04 Survey 45
08/23/2019 00:04 USDA.X126 1
08/23/2019 00:04 432 153
08/23/2019 00:04 NEWHUD.X1632 1
08/23/2019 00:04 guid id 66
08/23/2019 00:03 F 17,519
08/23/2019 00:03 lock expire date 121
08/23/2019 00:03 non-borrow 24
08/23/2019 00:03 PRO 2,160
08/23/2019 00:03 Mi 1,232
08/23/2019 00:03 CD2.XS 13
08/23/2019 00:03 Amortization Type 10
08/23/2019 00:03 conting 16
08/23/2019 00:03 367 156
08/23/2019 00:03 qm.x103 1
08/23/2019 00:03 ip 1,145
08/23/2019 00:03 expenses 80
08/23/2019 00:03 RE88395.X108 1
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08/23/2019 00:02 Li 9,654
08/23/2019 00:02 dba 8
08/23/2019 00:02 First payment 31
08/23/2019 00:02 AUStracki 192
08/23/2019 00:02 QM 375
08/23/2019 00:02 HOC.X19 1
08/23/2019 00:02 fl0026 1
08/23/2019 00:02 V 11,959
08/23/2019 00:02 countr 14
08/23/2019 00:02 others 77
08/23/2019 00:02 QM.X107 1
08/23/2019 00:02 File Contacts Lender Case 1
08/23/2019 00:02 NEWHUD 5,705
08/23/2019 00:02 273 139
08/23/2019 00:01 1511 3
08/23/2019 00:01 arm index type 3
08/23/2019 00:01 di 4,810
08/23/2019 00:01 payable 23
08/23/2019 00:01 NML 43
08/23/2019 00:01 sex 5
08/23/2019 00:01 Secti 838
08/23/2019 00:01 servicer 107
08/23/2019 00:01 denial x70 1
08/23/2019 00:01 disclosure.x104 11
08/23/2019 00:01 247 160
08/23/2019 00:01 ULDD.FRE.LoanProgramIdentifier 1
08/23/2019 00:00 loc 14,051
08/23/2019 00:00 comparisoned 12
08/23/2019 00:00 Milestone Sta 5
08/23/2019 00:00 escrow payment 125
08/23/2019 00:00 410 58
08/23/2019 00:00 fe0102 1
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08/23/2019 00:00 CASASRN.X167 1
08/23/2019 00:00 3493 13
08/23/2019 00:00 a1 7
08/23/2019 00:00 Submit 25
08/23/2019 00:00 976 23
08/23/2019 00:00 creditor name 9
08/23/2019 00:00 Referral Name 1
08/22/2019 23:59 va down pay 1
08/22/2019 23:59 revi 7,258
08/22/2019 23:59 buyer 83
08/22/2019 23:59 fees line 1205 5
08/22/2019 23:59 hmda status 1
08/22/2019 23:59 UCD.X1 1
08/22/2019 23:59 270 62
08/22/2019 23:59 urla 1
08/22/2019 23:59 Initial Loan Amount 2
08/22/2019 23:59 VAVOB.X 22
08/22/2019 23:59 service.x 146
08/22/2019 23:59 NEWHUD2.X32 99
08/22/2019 23:59 647 23
08/22/2019 23:58 loan is locked 1
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08/22/2019 23:58 hud1es 95
08/22/2019 23:58 paid by closing 436
08/22/2019 23:58 est c 9,318
08/22/2019 23:58 original sales price 2
08/22/2019 23:58 fees inter 17
08/22/2019 23:58 1327 2
08/22/2019 23:58 NEWHUD2.X209 11
08/22/2019 23:57 AUDIT 3
08/22/2019 23:57 rate lock buy requested by 12
08/22/2019 23:57 3253 2
08/22/2019 23:57 MORNET X40 1
08/22/2019 23:57 license type 60
08/22/2019 23:57 Combined Loan to Value (CLTV) 12
08/22/2019 23:57 Act 1,456
08/22/2019 23:57 ftp 26
08/22/2019 23:57 BE0005 2
08/22/2019 23:57 2162 13
08/22/2019 23:57 debt-to-Income 2
08/22/2019 23:57 fed 13
08/22/2019 23:57 fe 7,537
08/22/2019 23:57 allowed 77
08/22/2019 23:56 estimate 348
08/22/2019 23:56 newhud.x3 120
08/22/2019 23:56 99 419
08/22/2019 23:56 community 13
08/22/2019 23:56 M 20,503
08/22/2019 23:56 3983 2
08/22/2019 23:56 years at 36
08/22/2019 23:56 was the race 2
08/22/2019 23:56 1114 57
08/22/2019 23:56 HOLD 55
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08/22/2019 23:56 UCD 22
08/22/2019 23:55 NEWHUD.X1147 1
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08/22/2019 23:55 creditor 1 2
08/22/2019 23:55 Rate Lock date 393
08/22/2019 23:55 Co-Borr Employ 66
08/22/2019 23:55 Ques 8,473
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08/22/2019 23:55 property 601
08/22/2019 23:55 110 976
08/22/2019 23:55 empirica 172
08/22/2019 23:54 ap 1,485
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08/22/2019 23:54 NOTIC 127
08/22/2019 23:54 Freddie 375
08/22/2019 23:54 Fees 1,884
08/22/2019 23:54 nml 41
08/22/2019 23:54 Borr Mailing City 2
08/22/2019 23:54 CASASRN.X14 7
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08/22/2019 23:54 612 16
08/22/2019 23:54 928 21
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08/22/2019 23:53 Tra 1,339
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08/22/2019 23:53 gfe application 2
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08/22/2019 23:53 NEWHUD2. 3,978
08/22/2019 23:53 ASSIGNED 13
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08/22/2019 23:52 DISBURSEMEN 74
08/22/2019 23:52 AUS Hou 20
08/22/2019 23:52 co-Bo 685
08/22/2019 23:52 257 70
08/22/2019 23:52 cancel 34
08/22/2019 23:51 DIS 3,162
08/22/2019 23:51 660 34
08/22/2019 23:51 confirmed 1,166
08/22/2019 23:51 exces 10
08/22/2019 23:51 3371 13
08/22/2019 23:51 Fee Det 3,688
08/22/2019 23:51 1643 3
08/22/2019 23:51 newhud2.x4411 1
08/22/2019 23:51 3153 2
08/22/2019 23:51 1038 6
08/22/2019 23:51 2 20,735
08/22/2019 23:51 pr 10,358
08/22/2019 23:50 credit num 1
08/22/2019 23:50 loan purpose code 1
08/22/2019 23:50 4126 1
08/22/2019 23:50 loan modified 3
08/22/2019 23:50 Mavent 18
08/22/2019 23:50 Seller C 1,366
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08/22/2019 23:50 exam 19
08/22/2019 23:49 Hazard Insu 40
08/22/2019 23:49 x56 93
08/22/2019 23:49 234 49
08/22/2019 23:49 buy 2,925
08/22/2019 23:49 milesto 35
08/22/2019 23:49 1393 2
08/22/2019 23:49 vend.x140 1
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08/22/2019 23:49 3515 13
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08/22/2019 23:48 submitting 13
08/22/2019 23:48 pre 6,707
08/22/2019 23:48 Or 8,509
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08/22/2019 23:48 Debt to income 8
08/22/2019 23:48 cd5.x15 1
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107 of 35,191 Fields in Encompass 19.1 contain 'coup'
Type Field ID Format Opts Description First Chng
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Standard CLOSING.INVPMTCPNLOANTRSFTOSTREETADDR1 STRING Ellie Mae Closing Document Override - Investor Payment Coupon Loan Transfer To Street Address 8.1
Standard CLOSING.INVPMTCPNLOANTRSFTOSTREETADDR2 STRING Ellie Mae Closing Document Override - Investor Payment Coupon Loan Transfer To Street Address 2 8.1
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Standard CLOSING.PRTSCSRSCLAUSPMTCPNBOOL YN 2 Ellie Mae Closing Document Override - Print Successors Clause Text on Payment Coupon 8.1
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Virtual DOCS.CLOSING.PRTINVLOANNUMPMTCPN2IND YN Closing Docs - Print Investor Loan Number On Payment Coupon 2 Indicator 8.1
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Standard NTB.X33 INTEGER Net Tangible Benefit Existing Loan Info - Recoup Costs in Years 8.1
Standard NTB.X54 YN 2 Net Tangible Benefit Existing Loan Info - The borrower is able to recoup the costs of refinancing the home loan within two years, taking into account the costs and...? 8.1
Standard NTB.X57 YN 2 Net Tangible Benefit Existing Loan Info - The borrower(s) is/are able to recoup the costs of refinancing the loan within two years and reduce the interest rate by 2...? 8.1
Standard VASUMM.X22 DECIMAL_2 VA Management - Qualification - Closing Cost Recoupment - Monthly Decrease in Payment 14.2
Standard VASUMM.X25 DECIMAL_2 VA Management - Qualification - Closing Cost Recoupment - Total Closing Costs 14.2 18.2
Standard VASUMM.X26 YN 2 VA Management - Qualification - Closing Cost Recoupment - Exclude Prepaids 14.2
Standard VASUMM.X27 INTEGER VA Management - Qualification - Recoup Closing Costs 14.2
Standard VASUMM.X28 INTEGER VA Management - Qualification - Closing Cost Recoupment - Years 14.2
Standard VASUMM.X29 INTEGER VA Management - Qualification - Closing Cost Recoupment - Months 14.2