Reminder note:  IOLTA protection has changed as of January 1st … Be sure you review your clients’ trust account to confirm that your accounts are in balance and that they are below the maximum now protected.  There no longer is unlimited protection … and that means that you may be personally liable for a bank defalcation that impacts your holdings. Check with the FDIC, or call 1-877–ASK-FDIC, or talk to your local banker to learn more.