Payment shock is saving the difference between your current housing payment (rent or mortgage) and your future mortgage payment. How does your Counselor evaluate whether or not you have met your payment shock savings requirement? A. Review the increase in balance in the one account that you identify for depositing your payment shock savings into that account. B. Verify that you transferred money from your checking account to your savings account, similar to moving money from your left pocket to your right pocket. C. Verify that you have the total amount of funds needed in your account(s) to get the transaction to closing. D. Verify an average positive net increase across all accounts of at least your payment shock savings amount