As far as having your estate plan reviewed, we don’t view it as a onetime relationship we view it as an ongoing relationship. So we recommend every two to three years you ought to consider is your estate plan up to date. Does it reflect your current wishes? Have family circumstances changed? Financial circumstances changed? State laws change, federal tax laws change, there’s a number of things that should be considered. It doesn’t necessarily mean you’ve got to substantially modify your estate plan we’re just saying you should review it to make sure it’s still consistent with what you want to accomplish.