“In the great postwar building boom, developers froze on a pattern that used five acres to do the work of one. They had to, or they thought they had to. For one thing, it was a well-known fact that Americans had a deep psychic urge for a free-standing homestead on a large country plot, or as close a replica as possible. The assumption was self-proving, for it was built into the standards of the Federal Housing Administration and the major lending institutions. If a developer wanted mortgage money, he hewed to these standards or he did not get it.”