One other thing that California has besides earthquakes is a LOT of attorneys. Here, the thinking is that "anyone can be sued for anything" and cities have been sued for building failures (balcony decks come to mind). I believe it goes to the "deep pockets" theory with the thinking that city governments have more money than a consulting engineer. I had one situation where, according to my calculations, a beam was 1% overstressed. I posted that experience here and, amazingly, the majority of the responses concluded that I MUST have a CSR less than or equal to 1.00. I am normally ok with a CSR less than 1.04 (actually 1.0446, rounding to a number less than 1.05). The plan checker, a third party consultant to the city, wouldn't approve the calculations as written. When I talked to him, he used the point I made at the beginning of this paragraph. Normally, I would just change the beam size and move on. The problem with this particular situation, a stronger beam was going to cost a LOT and I didn't see the value in making that change, not even to mention the change of connections, etc. I ended up shaving some "pad" in my dead load and it got approved.