Amen, td25c! Good example is the house we bought two years ago. Wonderful basement, near 8' ceiling, dry as you could want, and clean. But some #÷×@$# stacked the fill on three sides of the house above the top of the foundation! It's well onto the band board. Good thing it has very well done stucco, but stucco should daylight 8" above ground, not 8" below! One has to wonder how much more it cost to dig the basement that extra foot instead of leaving the sill well above grade? Sigh, just one more project.