After being introduced by Linda Hart, Ted Smith argues that most of what ends up being built in San Diego is suburban sprawl, indistinguishable from sprawl in other parts of the country. He presents a proposal for housing in San Diego which aligned several housing prototypes in a perimeter block configuration. Smith had decided that the most common apartment building type in San Diego was anti-urban. He argued to developers that his lower density proposal for the Merrimac Building would be not only better urbanism, but more cost effective in the long term. He discusses his Merrimac Building project in detail, commenting that most of the space planning decisions were made in order to qualify for four unit financing. He argues that variety in urban development should be created through building separate small scale structures that are individually owned, rather than formally breaking up the facades of large buildings. He answers questions from the audience, describing the benefit of being the developer, architect, and contractor is the ability to finance projects with little or no money down. This process realizes slightly more profit, but, on the other hand, diminishes collaborative opportunities.