Closing costs are the fees for services, taxes or special interest charges that surround the purchase of a home. They include upfront loan points, title insurance, escrow or closing day charges, document fees, prepaid interest and property taxes. Unless, these charges are rolled into the loan, they must be paid when the home is closed.
If you find irregular surfaces at the glue line in wood projects, the problem can be moisture levels. This can happen, for example, when one piece has a 15% moisture content, while those next to it are at 8%. If you glue and plane boards with unequal moisture, those with higher moisture will eventually shrink more than those with less moisture.