Leo Baldwin, a Washington-based hou...

Leo Baldwin, a Washington-based housing consultant, who for 14 years was the top housing specialist for the American Association of Retired ones reports that naturally occurring retirement communities (NORCS) are springing up in chiefly major cities.

A NORC can be nothing more grandiose than a well-maintained apartment building which, from one side of to the other a period of time,. becomes inhabited mainly through the elderly . . albeit rather well-to-do elderly. In other cases, entire suburb may become NORC havens.

In principally cases, these communities of somewhat old "just happen," but until a