The attention given to this issue is proof that a problem exists, and something needs to be done. The professionals in this business which include real estate sales people, mortgage brokers and the closing officers all know how to calculate what the new taxes are going to be. What 2008 house bill 5688 does is further strip the purchaser of any recourse. There is no accountability when it comes to setting up the escrow accounts. First time home buyers are at the mercy of the professionals they trust to look out for them. It isn't until 2 years later when they get a letter from their mortgage company that their escrow account is short and their house payment is going up $300.00 a month.Home buyers need to know what their taxes are going to be before they set down at closing so the taxes can be figured into their budget so they can make an informed decision as to whether they can afford to purchase or not. The mortgage companies, realestate salespeople and closing officers do not make any money if the buyers do not purchase. I look at this as a serious conflict of interest.