In some small towns across America, memorials to Sept. 11 have turned into expensive headaches as the cost of building the memorial kept rising and the economy deteriorated.Some cities dramatically scaled down the scope of the projects, paid the outstanding bill with public money or abandoned the memorials altogether. Others remain unfinished, with no completion date in sight.Jerry Sanford, a former New York City firefighter, has been soliciting money since 2004 for a granite memorial in the shape of an American flag in his town of North Naples, Fla. Through private donations, he's raised about $600,000 — but still needs $800,000 more.Sanford had been hoping to unveil the memorial in time for the 10th anniversary, but now he doesn't know when it will be completed.