This is from a subdivision near me that utilized some creative financing, and the result was that just about every family there was foreclosed on. This house has been winterized while in the reflection you see a house where construction stopped over a year ago.
EXIF:
Taken November 8, 2009
Canon EOS Digital Rebel XSi
F-stop f/5.6
Exposure 1/60 sec
ISO - 800
Exposure Bias 0 step
Focal length 55 mm
No flash
Converted to black and white with exaggerated contrast to promote a somewhat gritty feel, which I felt was appropriate for the subject.