Some time ago I had an interesting conversation with a gentleman who liquidated companies - mostly in the retail industry.  When I asked him the main reason companies went out of business he said "The neighborhood changes."  Of all the things he could have said, I somewhat expected poor management, under capitalization....anything but the neighborhood!  But when I think of it, he's on to something.  How many times have you gone back to the old neighborhood and the familiar storefronts are either changed or gone.  I remember a neighborhood that was very slum-like.  The city officials decided to change the neighborhood and they leveled the old slum buildings and built nice, sturdy housing for the residents.  A few years passed and I happened to go by the renovated housing.  And much to my surprise in a few short years, it was back to being a slum!  I think what the city officials failed to do was to teach the residents how to care for their properties and to make sure they had the resources to do so.