Update to Vermont High Points Audit to exclude a Broker Fee

Update to the logic used in the Vermont High Rate audit calculation of "points" to exclude a broker fee in accordance with the instructions for the HUD-1 in Appendix A to Regulation Z as it existed in 1998.  The Vermont definition of points should include only items that would have been disclosed in line 801 or line 802 on the HUD-1 according to those instructions in 1998.