To clarify....We had heard some talk that for an AMC, that portion of the fee that is retained by the AMC (i.e. the portion that is not paid to the appraiser)might be considered a prepaid finance charge because it is not an appraisal fee per se (but rather the AMC's management fee), and is a fee that would not be paid in a comparable cash transaction.I was wondering if anyone else had heard anythi