In 1992 Congress mandated a pilot demonstration of energy-efficient mortgages (EEMs) in five States. In 1995 the pilot was expanded as a national program. FHA insured 27,150 EEMs in FY2001, 30,331 in FY2002...
Maybe you've seen the T-shirts that say "Stop Me Before I Volunteer Again!" Those are the same people sit on the association board, are active in the soccer league, scouts, church committees, school functions, ...