An escrow account is a special account dedicated to covering the costs for: Real estate taxes. Homeowner's (hazard) insurance. Mortgage insurance, if applicable. Catastrophe (wind) insurance, if required. Flood insurance, if required.
Pap Smears. Recommendation. Don't perform Pap smears on women under the age of 21 or women who have had a hysterectomy for non-cancer disease. Most observed abnormalities in adolescents regress spontaneously, therefore screening Pap smears done in this age group can lead to unnecessary anxiety, additional testing, and cost.
All women aged between 18 and 70 who have ever been sexually active should have a Pap test every two years. The risk of cervical cancer increases with age, so it is important for women to continue cervical screening until they are at least 70. If women have two normal Pap test results in the five years before they turn 70, they can stop having Pap tests. While some women may choose to continue having Pap tests after 70, the risk of developing cervical cancer at this age (having had regular normal Pap tests to age 70) is minimal. Women who have not had regular Pap tests or have had abnormal results from recent Pap tests, may need to keep having Pap tests for a few more years.