I'm sure you're right Jack, the cost would be more than the 5% number I tossed out there, but would it be so much that you couldn't recover it by offering homes that actually had more scenery than a brick wall between the edge of the lot and the strip mall next to it? As for me, I could never see paying $135,000 for a two bedroom 1.5 bath house that's really no more than an upper-middle class apartment with a yard. (This has probably been said a thousand times already on this thread--If so, I apologize for not reading through all of them before pouring in my $.02.)