On the new sample disclosures(initial and subsequent), it appears that if you have interest only or negative amortization you must “break out” the payment into principal, interest, and escrow. From the regulation it does not seem to require this unless you have either of these two features. So, if you don’t have to show P&I, Escrow on an arm without these features, would you have to include escrow in the new payment amount on the disclosure? I assume you would have to but wanted some input. Thanks.