Annie's mortgage statement shows a total payment of $$$$630\mathrm{.}36$ with $$$$563\mathrm{.}58$ paid toward principal and interest and $$$$66\mathrm{.}78$ paid for taxes and insurance. Taxes and insurance for three months were collected at closing.$$ Now, after six months of$$ payments, she is curious about the total in her escrow account. Calculate the amount for$$ her, and explain the account.