OR you have to order 'retro-fir' windows that have external fins...they slide into the opening from the outside, but they are a custom fit - add $300-400 per opening and 5-6 weeks to your time table....but then no exterior trim and a little on the inside... 

- There are other external concerns that I have i.e. state budget shortfalls, too much concentration in one job sector (ex. tech), running out of water situation, earthquakes, fires, etc., any thoughts on how others navigate this?