He, on the other hand, has spent months making what he calls quality Halloween lawn ornaments.
This includes the cost of the videographer, generating a transcript and providing what Diana E. E. Kleiner, who runs Open Yale Courses, calls "quality assurance".
Now, he has been drawn back by what he calls quality of life considerations and a sense that economic renewal is now possible for the first time in decades.
He would like to make more loans so that he could earn more money, he said, but there are too few of what he calls "quality borrowers," whose credit record, income and assets suggest they would reliably pay him back.
And Mr. Lovett helped create what has become an infrastructure for what he calls "quality songwriting": Communion, which began in 2006 (before Mumford & Sons formed) as a small London club night introducing new singer-songwriters.
The lots are smaller, and each house is positioned to maximize its use of what Mr. Krager calls "quality outdoor space": U-shaped and H-shaped homes embrace grassy courtyards where residents put their Webers, picnic tables and hammocks.
