Hope is reborn for couples dreaming of owning homes and for risk takers with vision to create tomorrow's opportunities. The spirit of enterprise is sparked by the sunrise industries of high-tech and by small business people with big ideas-people like Barbara Proctor, who rose from a ghetto to build a multimillion-dollar advertising agency in Chicago;  Carlos Perez, a Cuban refugee, who turned $27 and a dream into a successful importing business in Coral Gables, Florida.