I just helped a couple buy their first home. They loved everything about this newly renovated home, except the windows. Built in the 50's, this home had the original windows. Now, being a betting man, I'd say that their utility bills could probably be cut in half with efficient air tight windows. Not wanting to let this otherwise gem of a home get away, they decided to make an offer. Since they closed in the spring, they have some time before a harsh Indiana winter sets in. More than enough time to file an ammended federal tax return for 2008. This ammened return will allow them to get a check from the government for $8,000 in about 6 to 8 weeks. After pricing new windows, it seems they will have an extra couple grand to put in their pockets after their check arrives. I was so excited for them, that I brought them a nice bottle of Moet to celebrate!