On New Builds we calculate the initial escrow analysis for what the county has at that time for the initial closing disclosure. Our process is to flag all new builds and after we pay the taxes in December, we go by the appraised value to figure what the taxes would be for the next year and change their escrow accordingly, so they don’t have a deficiency or big shortage. Is this how we should be handling them, or should we only go by what the county has and add a little using the CPI or Comparable?