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COMPLETE TEAR OUT refers to removing everything down to the studs starting from scratch – BENEFIT: It provides a better method of installation and maintenance of full viewing area. 
DOWNFALL: More Product, More Materials, More Labour = More Money

RETROFIT refers to removal of operating sashes, inserting a window into existing window frames
– BENEFIT: Less money.
DOWNFALL: Any air filtration behind an old frame cannot be eliminated. Remember, you are putting a window inside of a window so you also lose some of your viewing area.