How do I prepare the estimated HUD? Should I just show it as 1-line item or 2?

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Hi Smitty. Its just a matter of having different styles. I've just never felt a need to use 2 HUDs. Maybe its because I'm old and need to keep things very simple. I get confused easily :)

LOL.. Bryant, you're not THAT old, and trust me, I get confused easily too...Comes from having too much of a chaotic lifestyle. 

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