From the main line suburbs to Rittenhouse Square, from the Brandywine Valley to Society Hill, the communities in and around the City of Brotherly love are the kinds of places that take care of their own-where the understanding of Ben Franklin's legacy goes beyond "A penny saved is a penny earned." In fact, when Franklin gave 1,000 pounds in sterling each to Philadelphia and Boston with the instruction to invest wisely and not spend it for 200 years, Boston stuck it in the bank, while Philadelphia used it for mortgage loans to working-class families. Today, Philly's restaurants, music scene, art shows, and architecture all help explain its amazing real estate renaissance. It may sound strange to call a city with such a long and famous past the next great-up-and-comer, but spend a day touring Philadelphia's high-end homes and the description certainly fits the bill. ARCHITECTS- SIDNEY AND MERRY,1860