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.
While the test may also detect infections and abnormalities in the endocervix and endometrium, it is not designed to do so. In the United States, Pap smear screening is recommended starting around 21 years of age until the age of 65. However, other countries do not recommend pap testing in non-sexually active women.