www.producersweb.com The December Spotlight on Estate Plotting discusses how, in an effort to help parents meet rising college costs, Fidelity has reduced fees on all of its managed 529 college savings plans by one-third to one-half; Two college-savings companies that are now are offering customers rebates on services, including refinancing mortgages or opening online bank accounts; and The latest FHA Outlook Report, an examination of the Home Equity Conversion Mortgage, program for 2009, indicates that, although the housing market experienced another record year of volume, it wasn’t due to a flood of new reverse mortgage borrowers.