Theme rooms such as wine cellars, billiard rooms, media centers, home theaters, and gyms. Cavernous bathrooms with dual sinks, multiple showerheads, and steam baths. Commercial grade kitchens. Wired home offices. Indoor lap pools. Three-car-plus garages. Native plants. Low interest rates. 15 year mortgages. Online loan shopping. 80-10-10 mortgages. Speedy, electronic loan approvals. Higher limit FHA-insured mortgages. "Lifestyle" communities and assisted-care facilities. Downtown office space.

Galley kitchens. Small bathrooms with bare essentials. Finished basements. Makeshitf home offices. Carports. Above ground outdoor pools. Well preened lawns. Short-terms ARM's. Private Mortgage Insurance. "Retirement homes". Retail power centers. Limited service hotels.