Twin 12 story apartment buildings recently completed in Detroit for the Department of Housing and Urban Development housing program for the elderly will maintain wintertime comfort for the occupants while using only half the fuel required by conventional buildings of the same size, thanks to a special kind of reinforced concrete wall construction. Heart of the building process used at Central Towers is a forming system that also saves enough time and money in construction to provide up to twice the return on invested capital when compared with equivalent structures built in the customary manner. The two high-rise bearing wall apartment buildings were built with prefabricated panel forms made of insulating material that remains in place and becomes part of the permanent structure after reinforced concrete is placed in the hollow cores within the panels. These walls have a U-factor of .032 Btu per hour per square foot per degree F compared with .27 for an insulated clay brick and concrete block cavity wall of the same thickness, which means that heat loss through them is only about one-ninth that of the brick and block wall. Not only does the forming system provide superior thermal insulation and furnish a vapor barrier, sound insulation, and fireproofing, but it also carries the exterior building veneer and furring to accommodate the interior finish. The interior finish can also be prefabricated into the panel. Furthermore, electrical wiring and window and door frames can be built into the panels before they are delivered to the job. In addition to the sophisticated high-rise structures described here, plans are proceeding for one and two story housing in Detroit using this forming system. And a project including several thousand low-rise housing units for Iran will soon be built.