Nearly every institution is faced with the situation of having to reduce the cost of a construction project from time to time through a process generally referred to as "value engineering." Just the mention of those words, however, gives rise to all types of connotations, thoughts, and memories (usually negative) for those in the…

This document, intended primarily for mortgage lenders, is designed to aid readers in evaluating solar heating technology in the aspects of its capital cost and potential for recovery of investment. Whether or not American consumers will fully exploit this alternative will depend upon interest rates, the allocation of capital to finance the higher…