Starting over  Why do we deprive our children of the sweetest
riches? If ideas have consequences, and they do, here's one of
the most painful: Ideas can be expensive.   Holding on firmly to
what you believe tends to boost your cost of living. I know this
because I have been enjoying for five decades the enormous
blessing of being born to parents who took altogether seriously
what they said they believed-and for five decades I've been
having to pay for things other people simply inherit.  All this
is tumbling through my mind because I just returned from a few
days poking around the rural Iowa counties where I spent my
boyhood. The incredibly productive farmlands there generously
fueled my father's third-generation grain business just before,
during, and after World War II. Mother and Dad started building
a big new brick house overlooking the east side of the town of
Holland-and their optimism was such that they added two feet to
the dimensions of every room's floor plans. But building
materials were still in s