The buyer was given a loan estimate at the time of the application for the mortgage and it is now 3 business days before the closing. The appraisal snd the closing disclosure have been given to the buyer. The buyers broker meets her client at the property for a walkthrough and to review the documents. Which of the following occurences will result in the buyer having the right to an additional 3 days to review the documents?

a) there was a mathematical error on the proration of taxes or utilities

b) appliances are missing even though the seller agreed to include them

c) the loan product aas changed from a fixed rate to one that is adjustable

d) there was an omission in the property disclosure of a recently discovered special assessment