Let's have a show of hands. How many of you know a handicapped person, or are handicapped yourself in some way? One in ten Americans are handicapped to some degree. I suffer from a chronic inner ear problem which causes dizziness (and makes me leery of working on roofs) when it flares up. I can simply avoid the roof when that happens, but most people with disabilities are more restricted than I am, and require housing that suits their needs. This special housing market will grow as the average age of the population rises. Right now, there are more than 20 million citizens over age 65.