S. brings up an interesting point. While I bought my house on the Penn plan,
I'm definitely not affluent and couldn't have afforded to buy a house
otherwise. 

>GENTRIFICATION 
> 
>The restoration and upgrading of deteriorated urban property by 
>middle-class or affluent people, often resulting in displacement of 
>lower-income people.
> 
>Additional Response: 
> 
>There is a more interesting story about "Penn-trification" ,which 
>through the Penn mortgage program has turned U-City into a "Penn Ghetto". 
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