Buying an existing house or buying land and building to suit, Comps, easements, abatement's, zoning, modernity, crime stats. and so on.

I'm getting too good at this.The day before yesterday I was attacked for making the assertion that the many of the roots of modern liberalism (in both parties - liberalism is not just about Democrats) can be found in early 20th century eugenics.

J Scott, in response to your question, Fox News is neither unethical (in the modern journalistic sense) nor incompetent.

I started with American Modern via USAA but dumped them for Proper when I found out that theft was not covered. 

What I can offer in return is part-time design consulting to create more affordable, efficient and modern design solutions. 

The only fire place in modern homes is a new high efficiency gas fire place that is art as much as heat. 18 fl of shelving is way over the top for a queen size bed master. 

So the modern school system is better at suppprting those students.

so often those items need to be updated, modernized and brought up to code.

Using a lighter underlay will make no significant difference.Of course, most old(er) and non-permitted conversions of residential buildings into multiple units probably do not have fire separation between units which meets modern code.  

There are many practices for which this argument calls to question the modern paradigm including; war, capital punishment and federal taxation losses (offshore and domestic) costing a floor of $40 billion per year.