"The more things change, the more they stay the same" is a phrase we have all heard. Again and again and again. Originally penned in 1849 by French writer Jean-Baptiste Alphonse Karr, it remains as valid today as it was nearly 175 years ago. It applies to life, and to the law. This column will address two recent situations, one relating to multijurisdictional practice in New Jersey and the other to bank defaults and IOLTA, both of which raise questions we have heard before. Thankfully, there are some answers to the IOLTA concerns. With regard to New Jersey, if anything, the problems have not changed. Let's start with the Garden State.