11.   At BadLANs XI in March, Matt and Adam tried to warm up a cup of coffee in the microwave, and the house went dark.

12.   Big two-story houses are going up.

13.   Across the way, construction workers furiously hoist beams, pound nails and hang drywall as house after house goes up on what used to be fields.

14.   But in the housing lottery, not a single house went to a black family.

15.   But Santiago also acknowledged that as more pretty houses go up in Susticacan, more and more people go north.

16.   But, under PMI, it is the lender who is paid if the borrower defaults and the house goes into foreclosure.

17.   Each new house must now go before the commission for approval of the exterior design and materials.

18.   Even if her husband humiliated her, the house goes with his job.

19.   Finally, nearly six months after the house went on the market, a couple made an offer.

20.   Five new houses have gone up in the last three years, including one built by Ferguson and her husband.