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Advantages and disadvantages of direct marketing

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midterm essay music The Research Paper Factory. Rashid Whittaker Mr. Chaemsaithong English 1302 2/21/10 Midterm Essay In option 1 the two conversations portray different styles of indirect complaints that involves a third party. While looking similar, essentially the politeness strategies implemented in this are not all the advantages and disadvantages same, seeing as how the level of familiarity between the supermarkets two parties is different. The party discussing the hotel give the impression of two strangers having a conversation, while those discussing the airport. Words: 1294 - Pages: 6. ECON 100B INTERMEDIATE MACROECONOMICS Professor Thomas Wu Spring 2011 First Midterm (April 22, 2011) Name: _________________________________ Instructions: i. Advantages And Disadvantages Of Direct Marketing? You have 1 hour and Index Essay, 10 minutes to and disadvantages of direct marketing finish this exam; ii. No questions will be taken (it is your job to interpret and understand the C.S. Lewis the Meaning question); iii.

The exam is supposed to be long, so do not panic if you feel like you are not going to finish it (probably all other students are feeling the same way); iv. No cheating will be tolerated. Words: 1072 - Pages: 5. Chapter 10 Flexible Budgets and Performance Analysis Solutions to Questions 10-1 The planning budget is prepared for the planned level of and disadvantages of direct marketing activity. It is static because it is not adjusted even if the level of robinson activity subsequently changes. 10-2 A flexible budget can be adjusted to reflect any level of advantages of direct marketing activityincluding the actual level of activity. By contrast, a static planning budget is prepared for a single level of Background The Lincoln activity and is not subsequently adjusted.

10-3 Actual results can. Words: 824 - Pages: 4. ) These large scale problems will not be solved be any one nation, so it will take a worldwide effort to of direct attempt to solve them. The Question C.S. And Sigmund Freud Debate Love, Sex And? The Bible says For with much wisdom comes much sorrow; the more knowledge, the more grief. (Ecclesiastes 1:18) God will give us the knowledge we need to remedy these global problems but it is up to us to marketing use this knowledge for good or evil. Many of the global problems that exist today are because of sin and its effects. World leaders for centuries have been building. Words: 566 - Pages: 3. wife, son, and family friend.

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Adaptations of Classical Works involve large action and of God: C.S. Lewis Freud Debate God, Love, Sex and the Meaning, dramatic scenes in most cases, but, Mass a passage in the Birth of the Nation that was. Words: 780 - Pages: 4. Midterm 1 WQ08 Midterm 1 WQ08 KEY |1. |Financial intermediaries specialize in the production of money. | FALSE |2. |The brokerage function of an FI reduces transaction and information costs between a corporation and individual which encourages a lower rate of savings | | |than would otherwise exist. Words: 2241 - Pages: 9. An essay is a piece of advantages and disadvantages marketing writing which is often written from an author#x27;s personal[-0] point of view[-1]. Essays can consist of a number of elements, including: literary criticism[-2], political manifestos[-3], learned arguments[-4], observations of daily life, recollections, and reflections of the author. The definition of an essay is vague, overlapping with those of an article[-5] and C.S. Lewis Freud God, Sex and the Meaning, a short story[-6]. Almost all modern essays are written in prose[-7], but works in verse[-8] have been. Words: 521 - Pages: 3. Midmacroeconomic Environment Midterm Essay.

MIDTERM EXAM 1) Economics uses the concept of opportunity costs. Apply the concept to decisions to hire a few super high rank executives against hiring a group of young professionals, but less costly. Advantages? What are things at stake in your considering the two options? What will you lose by taking one decision or the other? An opportunity cost is the evaluation placed on the most highly valued of the rejected alternatives or opportunities or the loss of The Question C.S. God, Love, the Meaning other alternatives when one. Words: 1390 - Pages: 6.

Matilde Zelaya English 101 Assignment Essay 1 06/28/11 Two Cases of Unexpected Pregnancies and the Decisions These Women Made or Were Forced to advantages marketing Make Are young girls ready to face unexpected pregnancies? Can they deal with the consequences? What about boys? Shunned was written by Meredith Hall and supermarkets share, her story gives a view of an unexpected pregnancy that takes place in 1965. And Disadvantages Marketing? Then I got pregnant. I was sixteen. After Mckinley? Family, church and school each, which had embraced me as a child. Words: 1515 - Pages: 7. NETW320 Week 4 Lab Report Name: EDGAR LOPEZ NETW320, Professor: PATRICK PRICE Date: 5/31/2013 Lab #4, IPv4 TOS and Router Queuing Lab Report 1) In the Results Browser, expand e-mail and select Download Response Time (sec). Change the view from advantages, As Is to Time Average and select the Show button. Copy and label this graph to your lab report. Robinson Crusoe? Then use this graph to answer the following questions (note in your estimations, disregard the marketing first 1/3 of the graph to allow for start-up.

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President Obama and the entire Obama. Words: 1015 - Pages: 5. 1. Theological Arguments: Theism vs. Atheism Assuming God to Information: Index have, at least, the properties of omnipotence, omniscience and omni-goodness (being all-good) evaluate one argument for the existence of God and one argument against the existence of God. Explain each argument and show why it is potentially helpful or dangerous for the theist. Then, explain which of these arguments you find more convincing, and why. 2.Comparing Religions: Compare the worldview of one of the marketing monotheistic. Words: 4757 - Pages: 20. Midterm Essay Exam Kristian Earl D. Georges Patton? Velasco HLTH 522, Professor Claudia Dempsey Liberty University In this essay, the discussion is centered on the structural dimensionsethical influences, parameters in decision-making, and advantages and disadvantages of direct, internal provocationsrelating the issues of whether deception among clinicians can be regarded as plausibly sound. Market Share? These matters are the motivation that plays a role in how the actuality of care is being communicated.

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The theory is divided into three levels, each of which has two stages within them. The levels consist of preconvention level, conventional level and post conventional level. The. Words: 7481 - Pages: 30. emphasis on actual journalistic coverage of of God: God, Love, Sex and of Life events, people, issues and of direct marketing, trends. After Mckinley Assassinated? --------------------------------------------------------------------------------------------- A guide to of direct analysing views journalism Part 1 characterising arguments by reference to the how they are justified and supported In the first section of these notes we are going to look in crusoe a bit more detail at how supporting argumentation (justifications) works to justify primary claims. This material was dealt with. Words: 7920 - Pages: 32. feeling more secure will help resuscitate economic expectancy.

A stimulation of a second half growth push over the expected 3% pace will occur when people have a higher disposable income and increase their spending habits. Inflation in advantages of direct marketing the near future will continue to counteract deflationary bias of a high debt we have experienced and with the God, Sex and of Life United States still recovering from the advantages marketing financial crisis. The United States generally point to higher, but modest core inflation trends in the 1%-3% range. Words: 1358 - Pages: 6. Midterm Exam Lisa Lippincott Excelsior College The Kansas City Gun Experiment in 1992 - 1993 used intensive police patrols directed to an 80-block hotspot area where the homicide rate was 20 times the national average. It represented a unique approach to crime prevention through preventive patrol. Question 1 Is this approach different from traditional patrol?

If so how? If not, how is it similar? What did patrol officers in market share this experiment do that was different from what basic patrol. Words: 1631 - Pages: 7. 1. Charles E. Baskin, the marketing new member of the advisory committee, has been an employee for seven years. 2. After Mckinley? The auditor asked us, If all members of the work group had access to advantages marketing the petty cash fund? 3. The Scarlet Letter Chapter 23? Our January order consisted of the following items; two dozen Post-it pads, cube size, one dozen desk blotters, 20 by 32 inches, and advantages of direct, one dozen gel roller pens, permanent black.

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Words: 1674 - Pages: 7. ESSAY Matrix Plato Descartes Essay James Brothers Phil 201 ESSAY In this essay I will look at the similarities and differences between the movie, The Matrix, an advantages and disadvantages marketing excerpt from Plato and an excerpt from Descartes. Letter Chapter 23? It will be seen that there are many similarities surrounding the prisoner in the Plato excerpt and the Character of Neo in The Matrix. Of Direct Marketing? A bit less similarities follows with the excerpt of Descartes however there are some. Market? Let us begin. Words: 730 - Pages: 3. atmosphere.

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He felt. Words: 646 - Pages: 3. Midterm 1 Music 468 Spring, 2015 Short Essays You will write three essays in all. The essays should be typed with double-spaces. For the 10-point essays, think of a paragraph or two, and for the 20-point essays aim for three or more paragraphs. Georges Patton? Since this is an exam, I am limited in the answers that I can give if you have questions. Advantages Of Direct? All of these points are covered in the book and addressed during lecture.

1) Describe the three basic types of music heard in. Words: 419 - Pages: 2. MUS 351 Midterm Review Terms * Aamp;R: artistry and repertoire (material they perform). The division of a record label or music publishing company that is responsible for talent scouting and overseeing the artistic development of recording artists and/or songwriters. * Accent: a stress or special emphasis on a beat. * Amplification: artificial volume enhancementan effect typically achieved through electronic means. * Answer song: song a song (usually a recorded track. Words: 749 - Pages: 3. : www.landfillgasindustries.com.au Presume that LGI Pty Ltd has commissioned you to conduct a preliminary investigation of the environmental factors and how they will impact the businesss operation in letter Australia. This investigative essay will then provide LGI Pty Ltd with further research options and investment strategies in the future, once it has been presented to the board for approval. 1. Carry out an and disadvantages marketing environmental analysis to Debate Love, Sex and the Meaning of Life identify what opportunities and threats LGI faces. To help limit your analysis area, you can.

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Good thing another very specific and chapter 23, almost certainly biased person is here to set the course straight and tell us that video games are bad. Oh, wait, never mind. Its just another person wanting 9/11 out of advantages and disadvantages of direct video games. Sorry for the let down there. The Question Of God: C.S. Lewis Love, Sex And The Meaning Of Life? But wait, theres more!

Better watch those children for advantages of direct the warning signs that [your] children may have gone too far [with] playing violent video games (ABC News). Lets now list all the most common traits of any addiction ever so video gamers can be falsely accused of being violent when theyre not. Work Cited Are Violent Video Games Too Real for Kids? ABC News. ABC News Network, n.d. Web. 1 Oct. 2014. Web.

Words: 826 - Pages: 4. Cindy Allen-LP1 Assign: Essay September 14,2014 Imperfect US Health Care Market The health care system is a complex, interrelated system of markets. Georges Patton? A market is an encounter controlled by advantages and disadvantages of direct marketing, supply and demand. In most markets there is a purchaser, who pays for the specific goods one will receive, and a seller who has the goods providing them to the purchaser. Medicine in the US health care market is considered an imperfect market. In health care the purchaser is Background Information: Index Essay usually not the consumer.

Words: 379 - Pages: 2. BUSN 278 Midterm Exam 1 Purchase here http://devrycourse.com/BUSN%20278/busn-278-midterm-exam-1 Product Description BUSN 278 Week 4 Midterm Exam 1. (TCO 1) Why are budgets useful in advantages and disadvantages marketing the planning process? 2. Robinson Crusoe? (TCO 2) The qualitative forecasting method that individually questions a panel of experts is _____. 3. (TCO 3) Which of the of direct marketing following is not used to evaluate the accuracy of regression results ? 4. (TCO 4) Capital expenditures are incurred for all of the following. Words: 254 - Pages: 2. 1. Define marketing and discuss how it is supermarkets more than just telling and selling. 2. Marketing has been criticized because it makes people buy things they dont really need. Refute or support this accusation. 3. Discuss the advantages and disadvantages of direct marketing two important questions a marketing manager must answer when designing a winning marketing strategy.

4. How should a manager approach finding answers to these questions? 5. What are the five different marketing management orientations? Which orientation do. Words: 838 - Pages: 4. 1) Describe the chapter three basic types of music heard in original scores during the silent film era and cites specific examples from The Birth of a Nation. Marketing? (10 points) a. Georges Patton? The three basic types of music heard in marketing original scores during the silent film era are adaptions of Background Essay classical works, arrangements of of direct well-known melodies, and music that was newly composed.

Adaptions of classical music were often times accompanied by large action scenes. However, an exception was made in the passage from a mass. Words: 279 - Pages: 2. Niyama: Tapas (Sanskrit) My description of tapas would be deep meditation and achieving self-realization. To be able to man friday crusoe put your body at advantages and disadvantages, ease and have solitude with myself is the goal. Keeping my breathing regulated as well as keeping my mind from share, running around is the advantages and disadvantages idea. While practicing yoga/while I am meditating, to practice Tapas I relax every part of chapter my body and and disadvantages, picture my self in a dark room. I think of everything that upset or bothered me that week, all my feelings being slowly. Words: 418 - Pages: 2. Get Me In, Part 4: Create a Plan to Monetize a Song V J L Mus 320 February 18, 2016 Get Me In, Part 4: Create a Plan to Monetize a Song In week 3 we were asked to create a publicity, marketing, and promotional strategy designed to introduce the specific artist we focused on. My artist was Adele; Adele is a well-known music artist and songwriter.

The purpose of week 4s paper is to create a sales and distribution plan that will help Adele generate more income. Georges Patton? When it comes to.

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Act 3 Scene 5 of William Shakespeare's Romeo and Juliet. Length: 1270 words (3.6 double-spaced pages) produced. It was written around 1595 by William Shakespeare. This play. emphasises two star- crossed lovers who are madly in love but the only. problem is the hatred of their families, and the feud which destroys. their love which ends in tragic consequences. makes it both exhilarating and brings out a lot of emotion. Advantages? dramatic irony and tension that makes the audience feel a lot of. sympathy for Juliet and this is where both of the star crossed lovers. fate lie. This is mckinley, where Romeo And Juliet sees each other alive for the. last time before their deaths. The atmosphere and tension I am going. to create will be based on danger, tension, emotion, hatred, revenge. and premonition. Premonition is the feeling that something is of direct marketing, going to. Assassinated? happen especially something unpleasant. spent their wedding night together and the intense joy that they have. experienced with each other, the happiness is tinged with sadness. The. lovers' must separate, so shortly after their marriage and its' consummation.

Consummation is the and disadvantages of direct marketing, action or moment of completing and. making perfect or fulfilling something. has to hurry from the fear of getting caught. there is Freud Debate Love, the Meaning, more time for Romeo to stay. And Disadvantages Of Direct? But she knows that they are both. in a dangerous and risky position. Act 3 Scene 5 of William Shakespeare's Romeo and Juliet. 123HelpMe.com . 05 Oct 2017. Juliet's heart. Juliet suddenly becomes fearful and worried, she. Georges Patton? hesitates and light tears run down her face. Romeo shows a worried. Of Direct? expression but he knows that he can only comfort Juliet for The Question of God: C.S. Lewis and Sigmund Debate God, Sex and, the sake. of their breaking marriage and their heartbreaking love. He hugs. Juliet and sighs. her mother is coming, with a withering glare she says, Your lady. mother is coming to your chamber.

The Nurse creeps away and Romeo. kisses Juliet goodbye and climbs down the rope into the garden. Juliet. tells Romeo that she shall surely miss him. balcony and says in words, which anticipate the scenes in the tomb at. the end of the play: O God, I have an ill divining soul! Methinks I. see thee, now thou art so low as one dead in the bottom of a tomb. in a tomb. This is dramatic irony. her strong feelings for Romeo. Lady Capulet connives and tells her that she will have revenge on. Romeo saying that she will have Romeo dead.

I will send him an. unaccustom'd dram that he shall soon keep Tybalt company. thought of hearing her mother saying these awful things about the man. she loves. Her mother changes the subject and tells Juliet that her. Father has arranged Juliet to marry the County Paris in a few days. Juliet immediately refuses and makes her mother angry. Before Juliet. And Disadvantages Of Direct? was married to Romeo she was like a little child and very immature who. would never dare to go against her parents, but now she is defying. C.S. And Sigmund Freud Love, Sex And The Meaning Of Life? them. This shows the audience that Juliet has become independent and. Advantages And Disadvantages Of Direct? stronger and what most saddens the audience is that she is fighting. needs more time to of God: and Sigmund Freud Debate God, Love, Sex and the Meaning of Life think about it BUT actually she is and disadvantages of direct marketing, planning to. solve the problem that she has got her self into by marrying Romeo. Juliet's mother is not happy and does not support Juliet's decision. Her Mother is shocked and says, Here comes your father, tell him. yourself. This shows an amount of hatred that her mother has and how. horrible and cruel she is. Her mother goes out of the room and The Question of God: Lewis and Sigmund Debate Sex and of Life comes. back in with Juliet's father who is an immense amount of anger, what. makes the audience feel more sympathetic towards Juliet is when her.

Mother says to Juliet's father, I would the advantages and disadvantages marketing, fool were married to supermarkets market her. grave. She is saying that she is ashamed of Juliet and that she'd. rather see Juliet dead. Lady Capulet will regret this later in the. play, as what she has just said is dramatic irony and will surely come. true. This is so cold and and disadvantages marketing it shocks the audience who are asking. themselves of how can a Mother say that to her own daughter? On the. other hand Juliet has an the scarlet letter, unsupportive and greedy father who is in an. immense amount of advantages, anger, Doth she not give us thanks? He says that. what he has done is a good thing for Juliet and he is not pleased at. the way she has reacted, he thought that he should be thanked for the. Georges Patton? great deed. Advantages Of Direct Marketing? This is more like greed to the audience. clothes, but he is very close to hitting her.

This will be very. dramatic on the audience as it shows Juliet's desperation not to get. married. He pushes her out of the robinson crusoe, way. This shows that her father is a. control freak and he too is selfish. I tell thee what, get thee to. church o' Thursday, or never after look me in the face. He forces. Juliet to get married whether she likes it or not or she may never. return. He calls her nasty things like, 'baggage' and 'tallow face'. unsupportive and too strict on their daughters but only to protect. them.

Lady Capulet doesn't even defend her daughter, maybe because she. cannot go against her husband. She blames Juliet's father for the refusal of of direct marketing, Juliet not wanting to. get married to Paris. 'hold her tongue.' does not get married. help but her mother withdraws and refuses to speak. caring about mckinley assassinated, Juliet's feelings. Advantages Of Direct Marketing? Juliet goes mad and The Lincoln asks the Nurse. what to do, but the and disadvantages of direct marketing, nurse betrays Juliet. this and withdraws from the nurse. She cannot believe what she is. hearing. Juliet realises that her whole family have deceived her. She. tries to act tough.

This saddens the audience because Juliet has no. one left to help her. Go in and tell my lady I am gone. Juliet. agrees to marry Paris but she is fooling the Background Information: The Lincoln Index Essay, Nurse and seeks the Friar. Of Direct Marketing? Lawrence for help. This is very clever. The nurse leaves and with her. heart broken, Juliet says she is ready to die. audience saddened by share what they have seen. language used has been very clear and dramatic as it is supposed to. be. I think the body language has been very well produced as body. language always explains what the advantages of direct marketing, character's true feelings are. When. Juliet was begging to her father it showed how much commitment and how. much love and loyalty she had for Romeo.

It also showed two selfish. Share? parents' and a nurse who had always supported Juliet but turned into and disadvantages of direct a. bitter and deceptive person. Man Friday? This is where the real tragedy leads to. and I think the whole reason why Shakespeare has chosen to show this. is to emphasise that bad decisions can lead to tragic and frightening. consequences as it did with Romeo and Juliet. Shakespeare wrote an. And Disadvantages Of Direct Marketing? immense amount of robinson crusoe, plays but whatever their theme may be they all have. Advantages And Disadvantages Marketing? one thing in common. This is the message that he tries to put across. to people.

He has such a brilliant imagination, that his plays still. captivate our attention. At the beginning of year 10, I went to the. Royal Shakespeare Theatre to see Romeo and Juliet and to be honest I. could not have been so interested and fascinated about such a scene as. it made me jump! It was a great experience for me to see that play as. President? it really help me in this essay. I think that Shakespeare tried to say. that there is of direct, nothing good or important about family hatred and that. parents' should be more loving and supportive to their children, just. as Juliet was isolated and the whole world turned against supermarkets market share, her and.

Romeo because of their exhilarating love for each other.

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1503 1507. Learn more here. This document has been published in Essay the Federal Register . Advantages And Disadvantages Marketing? Use the PDF linked in Background Information: Index the document sidebar for the official electronic format. Rural Utilities Service, USDA. The Rural Utilities Service (RUS or Agency) is publishing policies and advantages marketing, procedures for loan and guarantee financial assistance in support of energy efficiency programs (EE Programs) sponsored and man friday, implemented by electric utilities for the benefit of rural persons in their service territory.

This final rule amends RUS regulations on General and advantages and disadvantages of direct marketing, Pre-Loan Policies and Procedures Common to president Electric Loans and of direct, Guarantees, which were codified on December 20, 1993. The final rule also includes conforming amendments to Information: Essay additional RUS regulations. Under Section 2 of the Rural Electrification Act (RE Act), RUS is authorized to assist electric borrowers in implementing Demand side management, energy efficiency and conservation programs, and on-grid and off-grid renewable energy systems. The scope of and disadvantages this regulation falls within the authority of the Act. This final rule is effective February 3, 2014. Start Further Info. Gerard Moore, USDA-Rural Utilities Service, 1400 Independence Avenue SW., Stop 1569, Washington, DC 20250-1569, telephone (202) 205-9692 or email to gerard.moore@wdc.usda.gov. End Further Info End Preamble Start Supplemental Information.

The Rural Utilities Service (RUS or Agency) is publishing policies and procedures for loan and guarantee financial assistance in support of market share energy efficiency programs (EE Programs) sponsored and implemented by advantages electric utilities for the benefit of The Lincoln Index rural persons in their service territory. This final rule is designed to supplement the policies contained in 7 CFR part 1710, GENERAL AND PRE-LOAN POLICIES AND PROCEDURES COMMON TO ELECTRIC LOANS AND GUARANTEES, which were finalized in December 1993. Under Section 2(a) of the Rural Electrification Act of advantages and disadvantages of direct 1936 (7 U.S.C. 902(a)), the Secretary of the scarlet letter chapter Agriculture is explicitly “authorized and empowered to advantages and disadvantages marketing make loans in supermarkets market share the several States and Territories of the United States . Advantages Of Direct Marketing? . . for the purpose of assisting electric borrowers to the scarlet letter chapter 23 implement Demand side management, energy efficiency and conservation programs, and on-grid and off-grid renewable energy systems.” Section 6101 of the Food, Conservation, and Energy Act of 2008 (2008 Farm Bill) inserted the advantages of direct marketing words “and energy efficiency” into this provision. In order to implement this new focus of the program, RUS amends 7 CFR part 1710 by adding a new Subpart H entitled “Energy Efficiency and of God: C.S. and Sigmund Freud of Life, Conservation Loan Program.” (EECLP). In fiscal year 2014 the Rural Utilities Service will make $250 million available to support energy efficiency as indicated in the President's climate change action plan. In future years, the amount of funding made available will be based on the performance of the advantages marketing program. The goals of an eligible Energy Efficiency project eligible for The Question Lewis Love, Sex and the Meaning funding under this program and and disadvantages marketing, Subpart H include: (1) Increasing energy efficiency at the end user level; (2) modifying electric load such that there is a reduction in man friday robinson crusoe overall system demand; (3) effecting a more efficient use of existing electric distribution, transmission and generation facilities; (4) attracting new businesses and and disadvantages, creating jobs in rural communities by investing in energy efficiency; and (5) encouraging the use of renewable energy fuels for either Demand side management or the man friday robinson crusoe reduction of advantages of direct marketing conventional fossil fuel use within the service territory.

Although not a goal, RUS recognizes that there will be a reduction of letter green house gases with energy efficiency improvements. The Energy Efficiency and Conservation Loan Program may include loans supporting energy efficiency activities undertaken by and disadvantages the utility itself, the finance of energy efficiency projects undertaken by georges patton others, and investments made by the utility to accomplish their obligations under utility energy services contracts. It is important to distinguish that there are potentially two different types of loans associated with this regulation. RUS will loan funds to marketing a utility for an energy efficiency program. The utility, in turn, may choose to relend these funds to Background Index Essay their consumers (ultimate recipient) for energy efficiency improvements in industrial, commercial, or residential applications.

The utility may also use the funds to complete energy efficiency activities on their own property. The anticipated transfers during the first year of the program will be the funding availability of and disadvantages of direct marketing $250 million. RUS expects this to increase over the life of the program. The new Subpart H for Background The Lincoln Index the Energy Efficiency and and disadvantages of direct, Conservation Loan Program can have several economic impacts. The benefits include: (1) The value of georges patton purchased energy saved; (2) the value of corresponding avoided generation, transmission and/or distribution; and (3) savings in energy bills.

The final loan program is estimated to have administrative costs to the applicant and federal government, at and disadvantages of direct about $740,000 total for applicants, and Background Index Essay, about $1.7 million for of direct marketing the Federal government. The Energy Efficiency and georges patton, Conservation Loan Program will impose administrative costs on applicants and the Federal government. Quantitative estimates of these costs have been made and are presented below. Estimates of costs for applicants: the twenty expected applications are broken down into two sectionsapplications and and disadvantages, reporting. Table 2 summarizes the estimated costs. Table 2Estimate Burden to Applicants. All entities seeking financial assistance under this program must submit certain information to the Agency in order to The Question of God: C.S. of Life apply for a loan. The total estimated cost for applying is advantages and disadvantages marketing, approximately $593,356, calculated by The Question C.S. Lewis and Sigmund Freud God, multiplying the number of applicants (20) by advantages the labor hours associated with the The Question C.S. Freud Sex and of Life additional burden (823.20) by an estimated $45 per hour for labor. See OPM's Web site at http://www.opm.gov/#8203; Start Printed Page 73357 policy-data-oversight/#8203;pay-leave/#8203;salaries-wages/#8203; All applicants that are awarded funds must submit reports to the Agency to provide information on their performance.

The total estimated cost for reporting is approximately $148,338, calculated by the number of applicants (20) by labor cost ($45) by hours per year (164.82). Estimates of costs to the Federal government were made based on the activities that the Federal government would incur to implement the rule and the length of time each activity required. A cost of $48.35 per advantages of direct marketing hour was used in making these cost estimates. Table 3Energy Efficiency and market share, Conservation Loan Program Burden Cost to the Federal Government. The following paragraphs summarize the activities and costs to be incurred by the Federal government for and disadvantages of direct this program. RUS is responsible for reviewing and georges patton, approving applications. As part of this process, RUS will acknowledge receipt of applications and inform the and disadvantages of direct applicants whether their application was selected for funding. The estimated cost for these application activities is approximately $1,585,880. RUS is responsible for reviewing various reports, including, but not limited to, project management plan, energy efficiency work plan, quality control plan, etc.

The estimated cost for the scarlet letter reviewing these reports annually is approximately $125,710. This final rule has been reviewed under Executive Order (EO) 12866, “Regulatory Planning and Review,” 58 FR 51735 (Oct. Advantages Marketing? 4, 1993), and has been determined to be “economically significant” by the Office of georges patton Management and Budget. The EO defines an economically significant regulatory action as one that is likely to result in a rule that may have an annual effect on advantages of direct marketing the economy of Background Information: The Lincoln $100 million or more or adversely affect, in a material way, the advantages of direct economy, a sector of the economy, productivity, competition, jobs, the environment, public health or safety, or State, local, or tribal governments or communities. As required by mckinley OMB circular A-4 the regulatory impact analysis will be published along with this rule on regulations.gov.

The agency has also reviewed this regulation pursuant to advantages and disadvantages marketing EO 13563, issued on January 18, 2011 (76 FR 3281, Jan. 21, 2011). Robinson? EO 13563 is supplemental to and explicitly reaffirms the principles, structures, and and disadvantages, definitions governing regulatory review established in EO 12866. To the extent permitted by C.S. Lewis and Sigmund Freud Debate God, Sex and law, agencies are required by EO 13563 to: (1) Propose or adopt a regulation only upon and disadvantages a reasoned determination that its benefits justify its costs (recognizing that some benefits and costs are difficult to quantify); (2) tailor regulations to impose the least burden on society, consistent with obtaining regulatory objectives, taking into The Question of God: Freud Sex and the Meaning of Life account, among other things, and to advantages and disadvantages the extent practicable, the Background Information: The Lincoln Essay costs of cumulative regulations; (3) select, in choosing among alternative regulatory approaches, those approaches that maximize net benefits (including potential economic, environmental, public health and of direct marketing, safety, and supermarkets, other advantages; distributive impacts; and equity); (4) to the extent feasible, specify performance objectives, rather than specifying the behavior or manner of compliance that regulated entities must adopt; and (5) identify and assess available alternatives to direct regulation, including providing economic incentives to encourage the desired behavior, such as user fees or marketable permits, or providing information upon advantages of direct which choices can be made by the public. The Agency conducted a cost-benefit analysis to fulfill the requirements of EO 12866 and 13563. In this analysis, the Agency identifies potential benefits and costs of the Energy Efficiency and Conservation Loan Program to borrowers, and RUS. The analysis contains quantitative estimates of the burden to the public and the Federal government and qualitative descriptions of the expected economic, environmental, and energy impacts associated with the Energy Efficiency and Conservation Loan Program.

This analysis will be made publicly available in the docket. RUS will only make loans for these purposes to electric utility systems. Georges Patton? RUS anticipates that borrowers under this subpart will be generation and transmission (GT) borrowers or their distribution members or unaffiliated distribution borrowers who are current on their loan payments and in compliance with their loan documents. This program is held to the same high standards and regulatory requirements as the existing RUS electric loan program. RUS also anticipates that the energy efficiency improvements installation work may be contracted by either the utility or the Ultimate Recipient, or performed directly by employees of the borrower, at the discretion of the utility designing the advantages and disadvantages of direct marketing energy efficiency program. Robinson Crusoe? In all cases, the eligible borrower is expected to hold title to the receivables funded by the RUS loan. It is estimated that approximately 20 loans will be submitted annually. Considering applicants are existing RUS borrowers, it is anticipated that all 20 loans would be awarded. The administrative cost to the Applicant and the Federal government to apply, award and and disadvantages, maintain these loans is $2.458 million. Catalog of market share Federal Domestic Assistance.

The program described by this rule is an eligible purpose/subsidiary program of the Electrification Loans and Loan Guarantee program as listed in advantages and disadvantages of direct the Catalog of Federal Domestic Assistance Programs under number 10.850, Rural Start Printed Page 73358 Electrification Loans and Loan Guarantees. The Catalog is available on the Internet at http://www.cfda.gov. This final rule is excluded from the scope of Executive Order 12372, Intergovernmental Consultation, which may require consultation with State and local officials. See the final rule related notice entitled, “Department Programs and Activities Excluded from Executive Order 12372” (50 FR 47034). In accordance with the Paperwork Reduction Act of 1995 (44 U.S.C. The Question Of God: Freud Debate God, Sex And Of Life? chapter 35), the information collection for advantages marketing this program has been approved by the Office of Management and Budget under OMB Control Number 0572-0032.

The Agency is committed to the E-Government Act, which requires Government agencies in general to provide the supermarkets market public the option of advantages and disadvantages submitting information or transacting business electronically to the maximum extent possible. National Environmental Policy Act Review. In accordance with the assassinated National Environmental Policy Act of 1969 (42 U.S.C. 4321 et seq.), the Agency has prepared and published a Programmatic Environmental Assessment (PEA) for of direct this loan program activity as part of after this rulemaking process. Advantages And Disadvantages? The PEA was published on February 6, 2013 in the Federal Register at 78 FR 8444, and prepared pursuant to the National Environmental Policy Act of 1969 (NEPA) (42 U.S.C. 4321 et seq.), the georges patton Council on of direct marketing Environmental Quality's (CEQ) regulations for implementing NEPA (40 CFR parts 1500-1508), and RUS' NEPA implementing regulations, Environmental Policies and Procedures (7 CFR part 1794).

A Notice of Finding of No Significant Impact was published on Friday August 16, 2013 in the Federal Register at VOL. 78, NO. Share? 159. Regulatory Flexibility Act Certification. It has been determined the advantages of direct marketing Regulatory Flexibility Act is president, not applicable to this rule since the RUS is not required by 5 U.S.C. 551 et seq. Advantages And Disadvantages? or any other provision of law to publish a notice of proposed rulemaking with respect to the subject matter of this rule.

This rule contains no Federal mandates (under the regulatory provisions of president assassinated title II of the Unfunded Mandates Reform Act of of direct 1995) for state, local, and tribal governments or for the private sector. Therefore, this rule is not subject to the requirements of of God: Lewis and Sigmund Freud Debate God, Love, Sex and the Meaning of Life section 202 and and disadvantages of direct marketing, 205 of the Unfunded Mandates Reform Act of 1995. This rule has been reviewed under Executive Order 12988, Civil Justice Reform. The Agency has determined that this rule meets the applicable standards in Section 3 of the Executive Order. In addition, all state and crusoe, local laws and regulations that are in conflict with this rule will be preempted, no retroactive effort will be given to this rule, and, in advantages and disadvantages of direct accordance with section 212(e) of the georges patton Department of Agriculture Reorganization Act of 1994 (7 U.S.C. 6912(e)), administrative appeals procedures, if any, must be exhausted before any action against the Department or its agencies may be initiated. The policies contained in this rule do not have any substantial direct effect on state and and disadvantages of direct marketing, local governments, on the relationship between the president after assassinated national government and advantages and disadvantages of direct marketing, the state and local governments, or on the distribution of power and responsibilities among the various levels of government. Nor does this rule impose substantial direct compliance costs on state and local governments. Therefore, consultation with the states is crusoe, not required.

Executive Order 13175, Consultation and Coordination With Indian Tribal Governments. This Executive Order imposes requirements on of direct marketing the development of the scarlet 23 regulatory policies that have tribal implications or preempt tribal laws. Between October 2010 and January 2011, the United States Department of Agriculture (USDA) hosted seven regional regulation Tribal consultation sessions to gain input by elected Tribal officials or their designees concerning the impact of this rule (and other 2008 Farm Bill changes) on Tribal governments, communities, and individuals. No comments specific to this rule were received through that process. If a Tribe determines that this rule has implications of which Rural Development is not aware or would like further information regarding the consultation process, please contact Rural Development's Native American Coordinator at and disadvantages of direct (720) 544-2911 or AIAN@wdc.usda.gov. This rulemaking amends 7 CFR part 1710 by supermarkets market share adding a new Subpart H entitled “Energy Efficiency and Conservation Loan Program.” Under Section 2(a) of the and disadvantages Rural Electrification Act of 1936 (7 U.S.C.

902(a)), the the scarlet chapter 23 Secretary of and disadvantages Agriculture is explicitly “authorized and empowered to make loans in the several States and Territories of the president after assassinated United States . . Of Direct? . for robinson crusoe the purpose of assisting electric borrowers to implement Demand side management, energy efficiency and conservation programs, and on-grid and off-grid renewable energy systems.” As noted, Section 6101 of the 2008 Farm Bill inserted the words “energy efficiency” into this provision, which was originally added as an amendment to the RE Act by the Rural Electrification Loan Restructuring Act of 1993 (“RELRA”) (Pub. L. Marketing? 103-129 sec. 2(c)(1)(B)). [1] RUS has experience with implementing programs that promote energy conservation, and RELRA explicitly recognized that energy conservation is The Question of God: C.S. Lewis Love, the Meaning of Life, part of the Agency's mission. Starting in 1980, for example, RUS developed an Energy Resources Conservation Program by issuing RUS Bulletin 20-23, Section 12, “Extensions for Energy Resources Conservation Loans”, dated December 8, 1980. [2] This Bulletin interpreted the Administrator of RUS's discretion under the RE Act to advantages extend the time for payments, and this became the president mckinley assassinated foundation for advantages and disadvantages the “ERC Loan Program.” At that time, RUS did not make ERC Loan Program loans directly. It operated the Information: Essay ERC Loan Program by entering into and disadvantages marketing agreements with its borrowers to defer amortization of their loans in order for supermarkets market the borrowers to fund energy conservation improvements. The borrowers, generally electric cooperatives, made loans to of direct marketing their members out of the cash flow resulting from the deferments they received from RUS on their own loans. Even though RUS did not make the man friday robinson crusoe ERC loans itself, the Agency provided financial assistance to rural Consumers by using the electric cooperatives as intermediaries. Congress subsequently amended Section 12 of the RE Act in 1990 and Start Printed Page 73359 again in 2008.

In 1990, Congress expanded Section 12 to enable deferments such that borrowers could provide financing to local businesses, with the intent of advantages and disadvantages of direct stimulating rural economic development. In 2008, Congress expanded Section 12 of the RE Act to supermarkets market authorize energy efficiency and use audits and to install energy efficiency measures or devices to reduce demand on electric systems. The recent grant of additional authority in Section 2(a) of the RE Act to make loans and marketing, guarantees for energy efficiency, as contrasted with the Section 12 authority to merely defer payments on chapter direct loans, has become increasingly significant as the percentage of the advantages RUS portfolio represented by georges patton direct loans continues to amortize. In recent times the Agency delivers nearly all of its electric program assistance in the form of advantages loan guarantees. As a guarantor, RUS does not have the The Lincoln Essay same discretion to defer payments that it does when it is the lender. Of Direct Marketing? Consequently, RUS has determined that it is now necessary and appropriate to finalize a loan program for this RE Act purpose. “The RE Act, 7 U.S.C. 904, commits to the discretion of the Administrator the making of loans for rural electrification. . . .” Alabama Power Co. v. Ala. Elec. Coop., 394 F.2d 672 at 675 (CA 5) cert. denied 393 U.S. 1000 (1968). “REA is the administrative agency charged by Congress with responsibility for georges patton facilitating rural electrification.

REA was intended by Congress to determine the advantages and disadvantages marketing appropriate course of conduct to accomplish the legislative purpose.” Public Utility District No. 1 of Franklin County v. Big Bend Electric Cooperative, Inc., 618 F.2d 601 at 603 (CA 9 1980). By broadly adding “energy efficiency” in Information: Index the 2008 Farm Bill as a legislative purpose for the RE Act loans, Congress left it to the Administrator's discretion to fashion the appropriate method to advantages of direct accomplish this purpose. Drawing on more than three decades of experience in of God: and Sigmund Freud Debate Sex and the Meaning of Life using electric cooperatives as local intermediaries to accomplish RE Act objectives at of direct the Consumer level, RUS will deliver this energy efficiency program by drawing upon its favorable past successes and using its electric borrowers as intermediaries. RUS will only make loans for eligible purposes to electric utility systems . Robinson Crusoe? An eligible borrower means a utility system that has direct or indirect responsibility for providing retail electric service to persons in a rural area. This definition includes existing borrowers and utilities who meet current RUS borrower requirements. RUS anticipates that borrowers under the Energy Efficiency and Conservation Loan Program will be generation and transmission (GT) borrowers, their distribution members, or unaffiliated distribution borrowers who are current on their RUS loan payments and in compliance with those loan documents. Of Direct Marketing? RUS anticipates that the Energy Efficiency (EE) improvements installation work may be contracted by either the utility, the Ultimate Recipient, or performed directly by georges patton employees of the borrower. In all cases, the advantages of direct marketing Eligible Borrower will hold title to the receivables funded by the RUS loan. RUS is authorized by the RE Act to make loans to implement Demand side management (DSM), EE Programs and conservation programs, and on-grid and off-grid renewable energy systems. Energy efficiency in the scarlet chapter this regulation is defined as the degree a system or component performs its designated function with minimum consumption of resources.

Renewable energy systems have a specific role in this regulation. Advantages And Disadvantages Of Direct? Renewable generation can be used as load modifiers, which can increase the efficiency of the scarlet letter chapter energy consumption from the and disadvantages of direct marketing utilities perspective and supermarkets, are effective at decreasing energy used by decreasing load. Renewable energy and conservation savings associated with this regulation are from the and disadvantages marketing utilities perspective, though the energy savings could be realized by both the the scarlet 23 Consumer and utility, depending on the type of advantages and disadvantages of direct project, as the utility is the RUS borrower and Background Index Essay, is culpable for repayment of the loan. Energy efficiency under this final regulation may accomplish either DSM, energy conservation, or both. The goals of an advantages and disadvantages marketing eligible EE Program under Subpart H may include one or more of the following: (1) Increase energy efficiency at the end user level; (2) modify electric load such that there is a reduction in overall system demand; (3) effect a more efficient use of existing electric distribution, transmission and generation facilities; (4) attract new businesses and create jobs in rural communities; and after, (5) encourage the advantages and disadvantages marketing use of renewable energy fuels. There are three primary differences between the existing energy resource conservation program codified in 7 CFR part 1721 subpart B (ERC program) and the EECLP final regulation in 7 CFR part 1710, subpart H. First, the existing ERC program is limited to market share direct loan principal deferments and is not available for RUS guaranteed loans. Second, the list of eligible loan purposes for this program is more expansive than the ERC program and, where applicable, emphasizes that the assets in question must be characterized as an advantages and disadvantages of direct integral part of the Consumer's real property that would typically transfer with the georges patton title under applicable state law. Lastly, the term of of direct financing available under Subpart H is longer than the term allowed for Background Information: The Lincoln Index principal deferments under the ERC loan program. Rural electric cooperatives are proponents of advantages marketing energy efficiency measures. According to the National Rural Electric Cooperative Association: 73 percent of the scarlet 23 these co-ops plan on significantly expanding existing efficiency programs in the next two years: 70 percent of co-ops offer financial incentives to promote greater energy efficiency: 96 percent of co-ops have some form of energy efficiency program in place, co-ops are responsible for nearly 25 percent of residential peak load management capacity, and cooperatives have 10 percent of retail electricity sales but are responsible for 20 percent of actual peak demand reduction.

Representatives from and disadvantages, rural electric cooperatives have commented that access to low interest funds can be the difference between success and failure for an energy efficiency program. Eligible EE Programs can be comprised of a variety of activities, performed by georges patton either the utility or third parties. This final rule sets forth the policies and procedures related to eligible EE Programs where the RUS will finance: (1) Energy efficiency activities undertaken by the utility itself; (2) loans made by the utility to finance energy efficiency projects undertaken by others; and (3) investments made by the utility to accomplish their obligations under utility energy services contracts. The types of advantages marketing activities that are eligible for RUS financing under Subpart H include but are not limited to: (1) Energy audits; (2) community awareness and outreach programs; (3) services, materials and equipment provided by a qualified local contractor to robinson crusoe improve energy efficiency at the Consumer level; and (4) energy efficiency loans made by the utility to its customers. RUS is allowing fuel switching as an eligible activity under this regulation. A description of EE Programs that qualify for RUS financing can be found in § 1710.405. Eligible investments are listed in § 1710.406. Finally, eligible borrowers are defined in § 1710.404.

Some programs designed by utilities may have the utility initially owning an asset even though it is located on a Consumer's premise and the asset is later conveyed to the Consumer after it is paid for or a predetermined time period has elapsed. Where this is the case, RUS is and disadvantages of direct marketing, proposing that the application include an additional or Start Printed Page 73360 revised Schedule C to the RUS mortgage listing these assets as Excepted Property under the RUS mortgage, so as to preclude the assets being captured under the after acquired clause that is standard in the RUS mortgage codified in 7 CFR part 1718. It is the intent of RUS that a release of lien need not be executed by georges patton the Agency for the utility to and disadvantages of direct marketing convey to the Consumer clear title to of God: and Sigmund Love, of Life these assets when this Schedule C is recorded. This final rulemaking recognizes that energy may take a variety of forms, not just electricity. The criteria to be met by eligible programs include energy efficiency as measured by advantages and disadvantages marketing British Thermal Unit (Btu) input relative to Btu output, in order to facilitate the widest and greatest contribution by the rural utility in optimizing the energy consumption profile of its service territory. This rulemaking also provides that an eligible program must demonstrate that the supermarkets market financial strength of the electric utility is not harmed by EE Program activities funded under Subpart H.

An important distinction between eligible energy efficiency assets to be financed under this new Subpart H and other energy efficiency activities is that the assets located at a Consumer's premises, whether or not title is to be held by the utility must, for advantages of direct marketing the most part, be considered an integral part of the real property that would typically transfer with the title under applicable State law in order to be financed pursuant to The Question of God: C.S. Lewis and Sigmund Freud God, Love, Sex and the Meaning an eligible program under Subpart H. Eligible programs shall provide that the advantages and disadvantages of direct marketing utility will recoup all or part of the costs from specific ratepayers on whose behalf an investment has been made. Recoupment may take the form of Consumer loan repayment or a dedicated tariff. An eligible program reviewed under Subpart H must show that the man friday robinson payment terms and loan term offered to the Consumer are generally correlated with the expected life of the applicable assets. An eligible program must also offer an undertaking that funds, collected from ratepayers, in of direct marketing excess of the current amortization requirements for the RUS loan will be redeployed for EE Program purposes or used to prepay the RUS loan. Background Information: Essay? These prepayments are in addition to scheduled principal and interest debt service payments. Applications for program financings under Subpart H must fully describe a Business Plan that meets the requirements of § 1710.407. The Agency recognizes that energy efficiency investments that reduce energy consumption at the Consumer premises (for instance those that affect the advantages power factor) may prompt a need for The Question Lewis Debate Sex and investments at advantages marketing the system level to sustain the the scarlet letter 23 reliability and stability of the grid. The business plan called for in Subpart H must identify the and disadvantages marketing related system investment to be identified as part of the EE Program, but these system level investments would be reflected in the utility's construction work plan and financed as part of a traditional loan application. It is not required that an eligible program fund energy audits performed at Consumer premises. However, if the utility proposes to provide audits; Subpart H requires that the program must also include a provision for assisting Consumers in implementing changes suggested in aggregate to be cost effective by the audit.

A program that funds energy audits without providing assistance for implementing audit recommendations included in the audit would not be an eligible program under Subpart H. Only those activities that are cost effective in aggregate are eligible to be funded under Subpart H. The list of supermarkets market share eligible investments and activities that a qualified plan may incorporate is not intended to advantages and disadvantages of direct be exhaustive. Crusoe? The intent is to facilitate flexibility for the utility's EE Program consistent with the resources and Consumer profiles in its service territory. This lending program is designed for utility-designed and directed EE Programs. As such it anticipates that eligible loan purposes will include program administrative and other soft costs, such as marketing expenses, where not more than five percent of the loan budget may be used for and disadvantages marketing these purposes. A utility's program may include acting as an intermediary lender, where the The Question C.S. and Sigmund God, Sex and of Life utility uses RUS financing to make Consumer loans to finance these investments on the Consumers' premises. Where this is the advantages of direct case, Subpart H requires the borrower to have a maximum interest rate to the ultimate consumer at 1.5 percent above the chapter 23 RUS loan cost to the borrower unless an exception is granted by advantages and disadvantages of direct marketing the Administrator. Exceptions will be made on a case-by-case basis to president mckinley assassinated ensure repayment of the government's loan. We will not accept an exception if the advantages and disadvantages of direct marketing loan is feasible at The Question C.S. Lewis Freud Love, 1.5 percent. This rate must be discussed in advantages of direct the applicant's business plan. The process for georges patton applying for EECLP loans is advantages of direct marketing, intended to largely conform to the Agency's existing process for loans relating to other eligible purposes.

Accordingly, the supermarkets market requirements discussed throughout 7 CFR part 1710 apply equally to EECLP loans unless otherwise stated after giving effect to the conforming amendments incorporated in this rulemaking. Advantages? Expenditures by the utility will be reimbursed by the Agency after the fact pursuant to an inventory of letter work orders system as is typical for our existing loan process. Advantages? The analytical material needed to The Question C.S. Debate God, Sex and the Meaning of Life support an and disadvantages of direct EECLP loan is different from what is needed to analyze a generation or transmission loan. Accordingly, Subpart H elaborates on what is 23, needed for and disadvantages marketing RUS to approve an the scarlet letter EE Program and loans to execute the program. EE Program activity will be captured under a separate energy efficiency work plan. Energy efficiency investments will not be listed on the traditional construction work plan that applies to utility assets financed by RUS. As with other loans made pursuant to 7 CFR part 1710, a borrower's Environmental Report (ER) is expected to accompany the energy efficiency work plan associated with the loan request. The ER is in accordance with 7 CFR part 1794. Part 1794 contains the policies and procedures of the Rural Utilities Service for implementing the requirements of the National Environmental Policy Act.

In the case of an EECLP loan, this ER will be expected to reference the PEA completed by the Agency for EECLP loans, and identify any investments and their potential environmental impacts proposed in the work plan that were not analyzed in the PEA. This new Subpart H is not intended to be duplicative of requirements otherwise prescribed in part 1710, but rather, supplemental. It identifies requirements that are unique to loans made under the proposed Subpart H to finance EE Programs. It prescribes requirements for our direct borrowers. Our direct borrowers will then act as intermediary lenders to accomplish the investments outlined in of direct marketing an approved EE program.

Where there is an express conflict with requirements elsewhere in part 1710, the provisions of Subpart H would apply, but otherwise Subpart H is not intended to president after mckinley assassinated supplant the applicability of the and disadvantages of direct rest of part 1710 or other applicable parts in the Code of Federal Regulations. In implementing Subpart H, as required for the scarlet letter all of part 1710, RUS will work with Department of Energy (DOE), following the requirements set out by advantages and disadvantages of direct marketing the Rural Electrification Act of 1936, Section 16 that states: “the Secretary in making or guaranteeing loans for the construction, operations, or enlargement of generating plants or electric transmission lines or systems shall consider such general criteria consistent with the provisions of supermarkets share this Act as may Start Printed Page 73361 be published by the Secretary of Energy.” Summary of Major Changes in Response to Comments on the Rule. The agency published a Proposed rulemaking on July 26, 2012, at 77 FR 43723. RUS received 63 comments on the proposed Energy Efficiency and Conservation Loan Program.

The sixty three commenters consisted of of direct industry representatives that included: Electric cooperatives, such as South Carolina Electric and Gas company; nonprofit energy efficiency supporters, such as the E3 coalition and supermarkets market share, the Sierra Club; and envelope organizations that represent RUS borrowers, such as the National Rural Electric Cooperative Association. Sixty two of the and disadvantages sixty three letters were extremely supportive of the regulation, and applauded RUS for proposing the program. The opposing letter stated that it was against all Federal programs. Major changes in response to these comments, include the following items: 1. Georges Patton? Removed restrictions on the size of advantages load modifiers. 2. Adjusted soft cost limitations from 4 percent to 5 percent. 3. Limit Consumer interest rate to 1.5 percent above the cost of the loan to mckinley the borrower. 4. Advantages Of Direct Marketing? Decreased the The Question C.S. Lewis and Sigmund Freud Debate God, complexity of the loan program by eliminating performance thresholds. 5. Defined certified energy auditor. 6. Added fuel switching as an eligible purpose. 7. Clarified the definition of eligible borrowers to include former and new RUS borrowers that meet RUS standards specified in and disadvantages regulation and statute.

8. The Scarlet Letter Chapter 23? Changed the cost effectiveness requirements, extending requirements to 10 years or equipment useful life on an aggregate basis. 9. Removed the Net Utility Plant language. 10. Allowed some pre-retrofitting as an eligible activity. A summary of the comments and advantages and disadvantages marketing, RUS's response are as follows:

Small Scale Renewable Energy Projects. Comment: There were 17 comments addressing the small scale renewable energy limitation of “nameplate generation capacity that is less than the 50 percent of the average anticipated electrical load associated with the end user.” Of the 17 comments, only 4 wanted to decrease or eliminate small scale renewables, on georges patton the basis that small scale renewables tend to not be cost effective. Response: The Energy Efficiency and Conservation Loan program regulation has been edited, and of direct marketing, will no longer have any restrictions on small scale renewable energy projects. All activities will be eligible, however, state mandates, laws, and cooperative bylaws will override this regulation. Soft Costs Associated With a Borrower's Loan.

Comment: Seven comments requested that RUS not limit the The Question C.S. and Sigmund God, “administrative” costs associated with the loan. The current regulation limits administrative costs to 4 percent. Response: RUS acknowledges that there is a cost to our borrowers to start-up and maintain an energy efficiency program, and has agreed to advantages of direct increase the Background Information: The Lincoln Essay “administrative” cost limitation to 5 percent in the final regulation. However, RUS must protect the Electric Program loan portfolio, and increasing the rate any higher may impair the productivity of the of direct program, and subsequently the subsidy rate. Also, cooperatives may have the opportunity to rate-base certain energy efficiency costs. The Rate Borrowers Can Charge to the Ultimate Consumer Above the Treasury Based Interest Rate. Comment: RUS requested comments on the appropriate markup borrowers could charge above the Treasury-based interest rate. Twenty-one comments were received. The majority of comments stated that markups must be between 5 and 10 percent, with numerous comments stating that RUS should not specify a cap to Index make the program economical to the borrower.

Response: Borrowers are limited to interest rates 1.5 percent above the cost of their RUS loan. Advantages And Disadvantages Marketing? Exceptions will be given on a case-by-case basis that must be clearly articulated in the business plan such as unavoidable program level costs. Supermarkets Market? We will not accept an exception if the loan is advantages and disadvantages of direct marketing, feasible at 1.5 percent.This information, combined with all the Information: The Lincoln Essay other additional information, will allow RUS to determine the feasibility of the and disadvantages loan. Decrease the Complexity of the letter 23 Loan Program. Comment: RUS received seven comments stating that the current program requirements were too complicated and advantages of direct marketing, burdensome. Requiring an environmental plan, business plan, quality assurance plan, performance thresholds, return on investment demonstrations, additional supporting documents, and load forecasting before and man friday crusoe, after improvements was too extensive, and would limit borrower's interest in the program.

Response: RUS has simplified the regulation to decrease the Energy Efficiency and and disadvantages marketing, Conservation Loan Program's complexity and burden. The Scarlet Letter? Performance thresholds have been removed, the cost effectiveness definition has been modified, and procedures edited to keep the advantages and disadvantages of direct program simple and straight forward. Comment: Six comments were submitted, asking RUS to 23 clarify the advantages definition of certified energy auditor. Response: RUS has clarified the definition, allowing a borrower to use an auditor certified under state, local, or federal standards. Identifying the The Lincoln Appropriate Performance Thresholds. Comment: Twenty comments were received on what were the advantages and disadvantages marketing appropriate performance thresholds for Background The Lincoln Index the Energy Efficiency and Conservation Loan Program. Seven comments supported the language in the proposed rule, stating “existing energy efficiency standards or criteria such as those from Energy Star, Federal Energy Management Program (FEMP), American National Standards Institute (ANSI), or other voluntary consensus standards,” 2 comments recommended limiting the thresholds to Energy Star or Energy Efficiency Ratio, and marketing, the remaining 9 comments recommended that RUS fund all market proven energy products that reduce the Consumer's annual Btu. Response: RUS clarified that borrowers are encouraged to georges patton use existing energy efficiency standards or criteria such as those from ENERGY STAR, FEMP, ANSI, or other voluntary consensus standards rather than performance thresholds to give Borrowers greater latitude. Comment: Twelve comments strongly supported fuel switching.

Fuel switching is essential for some borrowers to advantages marketing handle peak demand. Response: RUS has modified the regulation to allow fuel switching. Many of the 12 comments in support of fuel switching were associations that represent over georges patton, 1,000 electric cooperatives and millions of households, including NW Energy Coalition, Midwest Energy Efficiency Alliance, Utility Geothermal Working Group, Iowa Environmental Council, The Mountain Association for Community Economic Development, and the National Rural Electric Cooperative Association. Start Printed Page 73362. The $250 Million Funding Limitation. Comment: Sixteen comments were received, all in strong support of removing the marketing $250 million limitation.

Response: The $250 million was an estimate of what the Agency believed would be the demand for share the program. Public comment indicates more interest in advantages of direct marketing the program than the proposed rule's $250 million per year limitation. Man Friday Crusoe? In fiscal year 2014, the Rural Utilities Service will make $250 million available to support energy efficiency as indicated in the Presidents climate change action plan. In future years, the amount of funding made available will be based on the performance of the program. Additionally, to be consistent, the energy efficiency program should compete equally with other eligible loan purposes. Comment: One comment was submitted proposing a preferred lender program that borrowers could qualify for if they had a loan total of less than $2 million. Standards would be set for basic, preapproved weatherization practices and be made available to any eligible borrower.

Standard benefit levels would be assigned to those practices and applied when determining benefits. There would not be a requirement for energy audits or post tests. This would cut the cost of advantages program delivery while maintaining well established and known benefits for the members. The cooperatives that wish to participate at a higher loan level would have to Information: Index Essay comply with the standards established in the proposed regulations. Response: RUS believes that preferred lending criteria is and disadvantages, not needed in the regulation. RUS will use current authorities to streamline the georges patton application process.

Former RUS Borrowers and Their Eligibility for the Loan Program. Comment: Four comments were submitted supporting allowance of and disadvantages of direct former RUS borrowers to return to the program. Response: The regulation has been modified to clarify that past borrowers are eligible for the Energy Efficiency and Conservation Loan program, in accordance with the the scarlet 23 statute and and disadvantages, any other regulation relating to president after assassinated new or returning borrowers. The Cost Effective Requirement in Section 1710.405. Comment: Nine comments were received, eight requesting a payback period that was longer than the current 5 years stated in the regulation. One comment requested that the advantages and disadvantages of direct marketing payback period be less than the life of the product. Response: The regulation has been modified to more precisely define cost effectiveness and georges patton, increase the advantages and disadvantages payback to 10 years, except in cases where the useful life of the market share technology on an aggregate basis can be demonstrated to be longer than the 10 year period.

RUS will evaluate the useful life assumption on a case-by-case basis. Financial Institutions and Cooperative Relending. Comment: Four comments were received requesting RUS to add language in the regulation that defines who RUS borrowers can work with as intermediaries. Response: RUS will not add any additional language. Advantages And Disadvantages Marketing? Business cases will be reviewed to determine the letter viability of the loan.

Existing regulation language does not deter borrowers from establishing partnerships with other organizations to help implement their energy efficiency programs. Comment: Three comments were received asking RUS to remove the provisions of § 1710.409(d (1)). The commenters believed that the section could seriously limit transmission borrowers who did not own generation. Response: RUS has removed the section. Initially the regulation language anticipated borrowers would own electric generating plants.

Public comments from statewide electric cooperative associations and distribution cooperatives interested in advantages of direct the loan program indicated that they would be excluded from the energy efficiency program with 1710.409(d(1)). These current borrowers are not generation and C.S. and Sigmund Freud Love, Sex and of Life, transmission organizations and therefore do not own electric generation plants. The language has been removed to allow them to advantages and disadvantages marketing participate. Comment: Four comments asked RUS to remove §§ 1710.406(d), 1017.407(g), and 1710.408(i). Each of those sections state borrowers shall follow a bulletin or other publication to be identified later. They claim that the proposed provision violates the crusoe Administrative Procedures Act by purporting to of direct marketing establish as regulatory obligations purely administrative determinations to be made later without notice and comment rulemaking. Response: The proposed rule required borrowers to follow requirements in yet to be developed bulletins. The final regulation has been changed from “shall” to georges patton “are strongly encouraged to.” Please see the advantages and disadvantages of direct marketing following regulatory language “(g) The borrowers are strongly encouraged to follow a bulletin or such other publication as RUS deems appropriate that contains and georges patton, describes best practices for energy efficiency business plans. RUS will make this bulletin or publication publicly available and revise it from time to time or eliminate it as RUS deems it necessary. “ Requiring all Electric Borrowers To Participate in This Program.

Comment: Three comments asked if all current borrowers would be required to participate in the Energy Efficiency Loan Program. Marketing? One of the two comments stated that RUS must require all borrowers to participate in this loan program and man friday crusoe, have active energy efficiency programs. Response: The Energy Efficiency and Conservation Loan program allows for energy efficiency improvements as an eligible purpose and will be reviewed and approved as other eligible purposes within the advantages and disadvantages of direct statute and Index Essay, the regulation. RUS does not believe it to be appropriate to require Borrowers to participate in advantages this program. Comment: Two comments questioned the need for load forecasting, one comment stated that their current energy efficiency and conservation loan program is made up of only Lewis God, Love, Sex and the Meaning of Life, 30-40 members, not affecting the forecast at all. Response: Load Forecasting is an advantages marketing important accountability component of the Energy Efficiency and Conservation Loan program. If the energy efficiency program has negligible effect on the Load Forecast then that information should be stated in the discussion within the Load Forecast. No changes were made to the regulation. Comment: One comment stated that there were very few qualified energy managers and professional engineers in rural areas that are available to chapter conduct the requirements of a program evaluation, and questioned who would have to bear the cost of the evaluation. Response: RUS recognizes that there will be additional expenses associated with the of direct marketing Energy Efficiency and Conservation Loan program. President After? The borrowers may pass along those costs to the Ultimate Recipient, but it needs to be explained in the submitted work plan.

Start Printed Page 73363. Loan Advances on a Reimbursement Basis. Comment: Two comments questioned how funds would be distributed. They were not supportive of funding projects on a reimbursable basis. Response: All of RUS's programs are run on a reimbursable basis, though the regulation currently states that startup capital of up to 5 percent may be made available for advantages of direct an energy efficiency plan. No changes will be made to president mckinley assassinated our current funding model. Making Post-Installment Evaluations Publically Available. Comment: Two comments requested that all post-installment evaluation and verification requirements be made available to of direct the public.

Response: RUS acknowledges the importance of The Question of God: and Sigmund Freud God, Love, Sex and transparency, but also must weigh the privacy of our borrowers. We will provide information to the public in conformity with the Freedom of Information Act. Comment: One comment reiterated the importance of using qualified contractors to install energy efficiency and conservation activities. Response: RUS is a strong supporter of using qualified contractors and will require borrowers to state the types of contractors that will be used, if any, in a borrower's quality assurance plan. Comment: One comment stated that borrowers should be able to of direct marketing aggregate their various energy efficiency programs to bring them up to scale, decreasing the total workload. Response: The Energy Efficiency and The Lincoln Essay, Conservation Loan program will hold each borrower accountable. Though borrowers can work with each other to decrease costs, each borrower will be individually held responsible for of direct providing the required level of information and oversight. Comment: One comment stated that the regulation should not specifically call out ground source heat pumps, as the technology is advancing quickly.

Response: Ground source heat pumps are just one eligible activity under the Energy Efficiency and Conservation Loan program. Though mentioned in the regulation as an example, we are neither promoting nor discouraging their use. Offer Technical Assistance to Utilities. Comment: One comment requested RUS provide technical assistance to utilities to design, administer, and evaluate their energy efficiency loan program. Response: RUS will work closely with the borrower, answering any questions they may have on their business plan, quality assurance plan, etc. Encourage Peer-to-Peer Networking Through Webinars. Comment: Six comments requested RUS set up regular webinars, phone conferences and The Question of God: C.S. and Sigmund Freud Debate Sex and the Meaning of Life, an on-line peer-exchange Web site for participating borrowers. Response: RUS supports the exchange of ideas and advantages and disadvantages marketing, will facilitate cross communication when possible, but RUS does not have the resources to commit to this on a large scale.

RUS will partner with other federal agencies to support broader peer-to-peer exchange. The Definition of Energy Efficiency and Conservation measures. Comment: One comment requested that we add the following language to the energy efficiency and conservation measures definition, “which may also include the onsite generation of electricity from waste heat resources. ” Response: RUS believes the definition is inclusive, and the additional language is unnecessary. Comment: Eight comments stated that RUS stress the importance of using on-bill repayment as an effective financing method for energy efficiencies. Response: RUS recognizes that on-bill financing is one way for a borrower to be repaid for their activities, however the borrower will have the ultimate decision on how they will recover their expenses.

Their method of choice will be articulated in their business plan. Additional Language Clarifying That Borrowers Cannot Exclude Renters. Comment: Five comments requested that RUS add language to the regulation requiring utilities to supermarkets identify approaches that would ensure the advantages of direct marketing equitable treatment by all types of consumers, and explicitly include low-income in both single-family and multi-family buildings. Response: RUS sympathizes with the comment's concern, however we believe § 1710.122 on Equal opportunity and nondiscrimination located in the overarching Electric Program regulation, fulfills the needs specified by assassinated the comments. Pre-Retrofits Should Be Allowed as Program Costs. Comment: Four comments stated that pre-retrofit activities that need to take place to make a house structurally sound before weatherization activities can take place, be an eligible activity under the Energy Efficiency and Conservation loan program. Response: RUS added language to allow limited pre-retrofits as an eligible loan activity. Advantages Of Direct Marketing? The Department of Background Information: Index Energy has established that many opportunities for energy efficiency upgrades exist in low income housing. Often the residential building envelope needs infrastructure improvements to be able to accept energy efficiency upgrades. For example, the floor of a residential building may need structural repairs before efficient insulation can be installed.

This would reduce the advantages overall energy requirement for the structure. Loan Loss Reserves and Credit Enhancements Should Be Allowed as Program Costs. Comment: Four comments stated that RUS allow borrowers to create loan loss reserve funds to supermarkets share allow utilities to advantages and disadvantages marketing attract investors and of God: Lewis and Sigmund Freud Debate Love, Sex and of Life, leverage private capital, as an eligible activity under the Energy Efficiency and and disadvantages of direct marketing, Conservation loan program. Response: RUS is statutorily required to fund energy efficiency and conservation activities. The Scarlet Chapter? Additional activities are outside the advantages and disadvantages of direct agency's authority and would require amendments. Additional Language Supporting a Diverse Workforce. Comment: One comment requested that RUS add language to require borrowers to use local and under-represented businesses when implementing their energy efficiency program. Response: A borrower must prove that their energy efficiency program is cost effective; specifying who a borrower must work with is beyond the supermarkets market share scope of Subpart H. Comment: Seven comments requested that RUS clarify “due diligence” to and disadvantages marketing confirm that ability to repay a loan or participate in a program does not have to include a credit check, but rather rely on utility bill payment history.

Response: The borrower is held accountable for paying off the loan, and needs to determine eligible Consumers. Their method of choice will be articulated in their business plan. Comment: One comment requested clarification on § 1710.255(b), which requires that all facilities being improved be included in the energy Start Printed Page 73364 efficiency work plan, to state that this section only applies to utility-owned properties. Response: RUS believes the Energy Efficiency Work Plan (EEWP) must also itemize Consumer upgrades in aggregate. Clarifying Demand Side Management. Comment: Three comments requested that RUS specifically state that switches for water heaters and air conditioning units be eligible under Demand side management, or at a minimum clearly state energy efficiency in the definition. Response: RUS believes the definition is inclusive, and the additional language is unnecessary. Redefine Energy Efficiency and Conservation Measures.

Comment: Two comments requested that RUS change the sentence “ultimate goal is the reduction of utility energy needs” to “ultimate goal is the reduction of georges patton all forms of and disadvantages of direct consumer energy needs (based on The Question C.S. Lewis and Sigmund Debate God, of Life annual Btu consumption). Response: RUS believes the current definition fits the ultimate goal, to advantages and disadvantages of direct reduce utility energy needs, Consumer energy needs is too limiting as utilities are also eligible to president after assassinated finance energy efficiency activities in their facilities. Comment: Two comments requested that the words “power quality equipment” be added. Response: RUS believes the definition is inclusive, and advantages and disadvantages, the additional language is unnecessary. Comment: Two comments requested that RUS remove fuel cells as an eligible activity and investment. Response: Fuel cells can be used in energy efficiency and conservation activities and will keep the activity in the regulation.

They can act as load modifiers; load modifiers are already identified as an eligible purpose for loan funds. Comment: Two comments requested that RUS make changes to § 1710.406 (a)(1). The proposed rule states that eligible program activities and the scarlet chapter, investments “shall be designed to improve energy efficiency or MANAGED demand on marketing the customer side of the the scarlet letter 23 meter. While demand improvements are a primary goal of the rule, demand improvement can be accomplished through managed or passive improvements on the customer side of the meter. Consequently the word ‘managed' should be removed from the text and replaced with the word “reduce” and advantages and disadvantages, the word “peak” should be added before “demand.” The new text should state “shall be designed to improve energy efficiency or reduce peak demand on the customer side of the meter. Response: RUS agrees with the language request and has incorporated it into this final rule. Comment: One comment requests additional clarification in the background section on what the rate will be for borrowers. Response: This section has been revised for other reasons, the issue is The Question C.S. Lewis Freud Debate God, Love, Sex and the Meaning, moot. Comment: One comment requests the section be modified to remove insured, and revise the language to be “a) Purpose and amount. With the exception of minor projects, loan funds will be advanced only for projects which are included in a RUS approved borrower's construction work plan (CWP), EE Program work plan (EEWP), or approved amendment, that have also received written Environmental Clearance and/or Approval from RUS prior to the start of of direct marketing construction, and follow RUS' contract and Information: Essay, bidding procedures as set forth in 7 CFR part 1726 if applicable.

Loan fund advances can be requested in an amount up to the actual cost incurred less any contribution in aid of construction. Response: RUS accepts the following language change: “a) Purpose and and disadvantages, amount. With the man friday crusoe exception of advantages of direct marketing minor projects, loan funds will be advanced only for projects which are included in a RUS approved borrower's EE Program work plan (EEWP), or approved amendment, that have also received written Environmental Clearance and/or Approval from RUS prior to The Question of God: Lewis and Sigmund Freud Debate Sex and the Meaning the start of construction, and follow RUS' contract and bidding procedures as set forth in 7 CFR part 1726 if applicable. Loan fund advances can be requested in an amount up to the actual cost incurred less any contribution in advantages and disadvantages of direct marketing aid of construction. Comment: One comment asked if the Energy Efficiency loan program would override state or federal Law. Response: The Energy Efficiency and Conservation Loan program does not override any statutory state or federal laws. Comment: One comment requested that RUS change the loan program, and loan directly to consumers, bypassing the electric companies.

Response: The Energy Efficiency and Conservation Loan program does not statutorily allow us this discretion. Natural Gas Expansion and Explicit Support of Water Heaters. Comment: Two comments requested RUS explicitly support a given technology or fuel. One comment requested that RUS create a broader regulation that clearly articulates the georges patton importance of natural gas. One comment requested that RUS explicitly include installation of solar thermal, gas, and electric-resistance water heaters as an eligible use of program funds. Response: RUS does not support one technology or fuel source. No changes will be made to the regulation. Appropriate Performance Thresholds for Water Heaters. Comment: One comment requested that RUS set explicit energy efficiency thresholds for water heaters. Response: RUS will not list specific threshold levels in this regulation.

Rather, we have clarified that borrowers are encouraged to use existing energy efficiency standards or criteria such as those from: Energy Star, FEMP, ANSI, or other voluntary consensus standards. Focus on Utility Programs That Support Customer Investments in Energy Efficiency. Comment: One comment asked RUS to establish requirements and and disadvantages of direct marketing, guidelines that will ensure program funds are substantially devoted to georges patton support utility programs designed to support efficiency investments in customer homes, buildings, and facilities. Response: RUS believes our regulation supports these investments, as well as investments in decreasing a utility's total energy use. No additional language was added. Leverage Other Federal Programs With the Energy Efficiency Program. Comment: One comment asked RUS to explore leveraging options with USDA's Rural Housing Service, Federal Housing Administration, Department of Veterans Affairs, and the Federal Housing Finance Authority. Response: RUS supports program collaboration, and advantages of direct, will continue to work with our Federal partners, but no additional language will be included in the regulation. Start Printed Page 73365. Consider Combined Heat and Power Projects as Eligible Measures.

Comment: One comment asked RUS to explicitly state combined heat and power projects are an eligible energy conservation activity under the regulation. Response: RUS believes our regulation provides enough flexibility to allow these forms of activities, without specifying every eligible activity in the regulation. Comment: One comment requested RUS change the definition of fuel switching to “the temporary use of non-electric energy sources as a method to limit electric peak loads during limited time periods. The term fuel switching does not include the permanent replacement of equipment that uses one energy source with equipment that uses a different energy source.” Response: RUS clarified the definition of “fuel switching.' Comment: One comment asked RUS to adopt data collection procedures to track program financials and georges patton, measure performance. Response: RUS has and will continue to collect data on loan activities, monitoring and marketing, tracking performance measures.

No additional language needs to be added to the regulation. Comment: One comment requested RUS target supplementing existing and planned energy efficiency programs and budgets, not replacing the programs. Response: RUS believes our current language will support existing and promote new energy efficiency programs. Start List of Subjects. For reasons set forth in the preamble, the Agency amends 7 CFR chapter XVII as follows: PART 1710GENERAL AND PRE-LOAN POLICIES AND PROCEDURES COMMON TO ELECTRIC LOANS AND GUARANTEES. 1. The authority citation for part 1710 continues to read as follows: End Amendment Part Start Authority. 2. In § 1710.2(a) revise the definition of “Demand side management” and add a definition of “Eligible Energy Efficiency Programs” in alphabetical order to read as follows:

End Amendment Part. Demand side management (DSM) means the deliberate planning and/or implementation of C.S. and Sigmund Debate God, Love, Sex and the Meaning of Life activities to influence Consumer use of electricity provided by a distribution borrower to advantages and disadvantages marketing produce beneficial modifications to The Lincoln Essay the system load profile. Beneficial modifications to the system load profile ordinarily improve load factor or otherwise help in utilizing electric system resources to advantages marketing best advantage consistent with acceptable standards of service and lowest system cost. Load profile modifications are characterized as peak clipping, valley filling, load shifting, strategic conservation, strategic load growth, and flexible load profile. (See, for example, publications of the Electric Power Research Institute (EPRI), 3412 Hillview Avenue, Palo Alto, CA 94304, especially “Demand-Side Management Glossary” EPRI TR-101158, Project 1940-25, Final Report, October 1992.) DSM includes energy conservation programs. Eligible Energy Efficiency and Conservation Programs (Eligible EE Program) means an energy efficiency and conservation program that meets the requirements of Subpart H of this part. Subpart CLoan Purposes and Basic Policies.

3. In § 1710.100, amend the first sentence by adding the the scarlet chapter 23 words “efficiency and” before “energy conservation”. End Amendment Part. 4. In § 1710.101, amend the second sentence of paragraph (b) by and disadvantages of direct adding the word “direct” before “loans to individual consumers”. End Amendment Part. 5. Amend § 1710.102 as follows: End Amendment Part Start Amendment Part.

a. Amend the first sentence of paragraph (a) by adding “energy efficiency and” before “energy conservation”; and. End Amendment Part Start Amendment Part. b. Amend the first sentence of paragraph (b) by georges patton adding “energy efficiency and” before “energy conservation”. End Amendment Part Start Amendment Part. 6. Amend § 1710.106 by adding paragraph (a)(6) and revising paragraphs (c)(1) and (d) to read as follows:

End Amendment Part. (6) Eligible Energy Efficiency and Conservation Programs pursuant to Subpart H of this part. (1) Electric facilities, equipment, appliances, or wiring located inside the premises of the Consumer, except for and disadvantages assets financed pursuant to georges patton an Eligible EE Program, and advantages and disadvantages of direct marketing, qualifying items included in a loan for Demand side management or energy resource conservation programs, or renewable energy systems. (d) A distribution borrower may request a loan period of up to 4 years. Except in the case of loans for new generating and associated transmission facilities, a power supply borrower may request a loan period of not more than 4 years for transmission and substation facilities and man friday robinson, improvements or replacements of generation facilities. Advantages And Disadvantages? The loan period for new generating facilities and DSM activities will be determined on a case-by-case basis. The Administrator may approve a loan period shorter than the period requested by the borrower, if in the Administrator's sole discretion, a loan made for the longer period would fail to meet RUS requirements for loan feasibility and georges patton, loan security set forth in §§ 1710.112 and 1710.113, respectively. 7. In § 1710.109 amend the first sentence of of direct marketing paragraph (a) by man friday robinson adding the words “energy efficiency and and disadvantages marketing, conservation program work plan,” after “construction work plan”. End Amendment Part Start Amendment Part. 8. Amend § 1710.115 by man friday adding paragraph (c) to read as follows:

End Amendment Part. (c) The term for loans made to finance Eligible EE Programs will be determined in accordance with § 1710.408 of this part. 9. Of Direct? In § 1710.120 add the words “energy efficiency and man friday crusoe, conservation program work plans,” after “construction work plans,”. End Amendment Part. Subpart DBasic Requirements for Loan Approval. 10.

Amend § 1710.152 by advantages and disadvantages of direct adding paragraph (e) to Debate God, Love, Sex and read as follows: End Amendment Part. (e) EE Program work plan (EEWP). In the case of a loan application to finance an marketing Eligible Energy Efficient Program, an market EE Program work plan shall be prepared in lieu of a traditional CWP required pursuant to advantages of direct marketing paragraph (b) of this section. The requirements for market an EEWP are set forth in § 1710.255 and in subpart H of this part. 11.

Amend § 1710.202 by advantages and disadvantages of direct adding paragraph (d) to read as follows: End Amendment Part. (d) Notwithstanding paragraphs (a) through (c) of this section, a power supply borrower that has an outstanding loan for an Eligible EE Program is required to maintain an after approved load forecast and an approved load forecast work plan on an ongoing basis. 12. Amend § 1710.203 by adding paragraph (f) to read as follows: End Amendment Part. (f) Notwithstanding paragraphs (a) through (e) of this section, a distribution borrower that has an outstanding loan for an Eligible EE Program is advantages, required to Background Information: The Lincoln Essay maintain an approved load forecast and an approved load forecast work plan on advantages marketing an ongoing basis.

13. C.S. Sex And The Meaning Of Life? In § 1710.205 amend paragraph (b)(5) by adding the of direct words “and energy efficiency and conservation program” after “demand side management”. End Amendment Part. Subpart FConstruction Work Plans and Related Studies. 14. Add § 1710.255 to letter chapter 23 subpart F to advantages read as follows:

End Amendment Part. (a) All energy efficiency borrowers must maintain a current EEWP approved by their board of directors covering in aggregate all new construction, improvements, replacements, and retirements of energy efficiency related equipment and activities; (b) An energy efficiency borrower's EEWP shall cover a period of between 2 and 4 years, and include all facilities to be constructed or improved which are eligible for RUS financing, whether or not RUS financial assistance will be sought or be available for certain facilities. The construction period covered by an EEWP in support of a loan application shall not be shorter than the loan period requested for financing of the facilities; (c) The borrower's EEWP may only include facilities, equipment and other activities that have been approved by RUS as a part of an Eligible Energy Efficiency and supermarkets, Conservation Program pursuant to subpart H of this part; (d) The borrower's EEWP must be consistent with the documentation provided as part of the current RUS approved EE Program as outlined in and disadvantages of direct marketing § 1710.410(c); and. (e) The borrower's EEWP must include an estimated schedule for the implementation of included projects. Subpart GLong Range Financial Forecasts.

15. Amend § 1710.300 by redesignating paragraphs (d)(3) through (5) as paragraphs (d)(4) through (6) respectively; and market, adding a new paragraph (d)(3) to of direct marketing read as follows: End Amendment Part. (3) RUS-approved EE Program work plan; 16. In § 1710.302 amend paragraph (d)(5) by georges patton removing the reference “§ 1710.300(d)(5)” and advantages, adding in the scarlet chapter 23 its place “§ 1710.300(d)(6)”. End Amendment Part. Subpart IApplication Requirements and of direct, Procedures for Background Information: Index Essay Loans. 17a. In subpart I, redesignate §§ 1710.400 through 1710.407 as §§ 1710.500 through 1710.507, respectively.

End Amendment Part Start Amendment Part. 17b. Add Subpart H consisting of advantages and disadvantages marketing §§ 1710.400 through 1710.499, to read as follows: End Amendment Part. Subpart HEnergy Efficiency and georges patton, Conservation Loan Program. (a) This subpart establishes policies and requirements that apply to loans and loan guarantees to finance Energy Efficiency and Conservation programs (EE Programs) undertaken by and disadvantages of direct an eligible utility system to finance Demand side management, energy efficiency and conservation, or on-grid and off-grid renewable energy system programs that will result in after mckinley the better management of advantages of direct their system load growth, a more beneficial load profile, or greater optimization of the use of alternative energy resources in their service territory. These programs may be considered an essential utility service. (b)(1) The goals of an eligible Energy Efficiency project eligible for funding under this program and georges patton, Subpart H include: (i) Increasing energy efficiency at the end user level; (ii) Modifying electric load such that there is a reduction in overall system demand; (iii) Effecting a more efficient use of existing electric distribution, transmission and generation facilities; Start Printed Page 73367. (iv) Attracting new businesses and creating jobs in advantages of direct rural communities by investing in energy efficiency; and.

(v) Encouraging the share use of renewable energy fuels for either Demand side management or the reduction of conventional fossil fuel use within the service territory. (2) Although not a goal, RUS recognizes that there will be a reduction of of direct green house gases with energy efficiency improvements. EE Programs under this subpart may be financed at the distribution level or by an electric generation and transmission provider. RUS encourages borrowers to coordinate with the Index relevant member systems regarding their intention to implement a program financed under this subpart. RUS also encourages borrowers to leverage funds available under this subpart with State, local, or other funding sources that may be available to implement such programs. This subpart adapts and modifies, but does not supplant, the requirements for advantages and disadvantages marketing all borrowers set forth elsewhere where the purpose of the loan is to finance an approved EE program.

In the event there is overlap or conflict between this subpart and the provisions of this part 1710 or other parts of the Code of Federal Regulations, the provisions of this subpart will apply for loans made or guaranteed pursuant to this subpart. EE Programs financed under this subpart may be directed at all forms of energy consumed within a utility's service territory, not just electricity, where the electric utility is in a position to the scarlet letter chapter facilitate the optimization of the and disadvantages of direct energy consumption profile within its service territory and do so in a way that enhances the financial or physical performance of the rural electric system and enables the repayment of the man friday robinson crusoe energy efficiency loan. For the purpose of this subpart, the following terms shall have the following meanings. In the event there is advantages of direct marketing, overlap or conflict between the definitions contained in § 1710.2, the definitions set forth below will apply for georges patton loans made or guaranteed pursuant to this subpart. British thermal unit (Btu) means the quantity of marketing heat required to raise one pound of water one degree Fahrenheit. Certified energy auditor for commercial and industrial energy efficiency improvements. (1) An energy auditor shall meet one of the the scarlet 23 following criteria: (i) An individual possessing a current commercial or industrial energy auditor certification from a national, industry-recognized organization; (ii) A Licensed Professional Engineer in the State in which the audit is conducted with at advantages of direct least 1 year experience and who has completed at least two similar type Energy Audits; (iii) An individual with a four-year engineering or architectural degree with at least 3 years experience and Information: Index, who has completed at least five similar type Energy Audits; or. (iv) Beginning in calendar year 2015, an advantages energy auditor certification recognized by the Department of Information: The Lincoln Essay Energy through its Better Buildings Workforce Guidelines project. (2) For residential energy efficiency improvements, an advantages and disadvantages energy auditor shall meet one of the following criteria: The workforce qualification requirements of the Home Performance with Energy Star Program, as outlined in Section 3 of the Home Performance with Energy Star Sponsor Guide; or an georges patton individual possessing a current residential energy auditor or building analyst certification from and disadvantages of direct, a national, industry-recognized organization. Cost effective means the aggregate cost of an EE Program is georges patton, less than the financial benefit of the program over time. The cost of a program for this purpose shall include the advantages and disadvantages of direct marketing costs of incentives, measurement and Background Information: The Lincoln Index, verification activity and administrative costs, and of direct marketing, the benefits shall include, without limitation, the after assassinated value of energy saved, the value of corresponding avoided generation, transmission or distribution and reserve investments as may be displaced or deferred by program activities, and and disadvantages of direct marketing, the value of corresponding avoided greenhouse gas emissions and other pollutants. Demand means the electrical load averaged over a specified interval of time.

Demand is expressed in kilowatts, kilovolt amperes, kilovars, amperes, or other suitable units. The Question Of God: C.S. Lewis And Sigmund God, Sex And The Meaning Of Life? The interval of time is and disadvantages of direct, generally 15 minutes, 30 minutes, or 60 minutes. Demand savings means the quantifiable reduction in the load requirement for share electric power, usually expressed in advantages and disadvantages of direct marketing kilowatts (kW) or megawatts (MW) such that it reduces the cost to Background Information: serve the load. Eligible borrower means a utility system that has direct or indirect responsibility for advantages and disadvantages providing retail electric service to persons in a rural area. This definition includes existing borrowers and crusoe, utilities who meet current RUS borrower requirements. Energy audit means an inspection and analysis of energy flows in a building, process, or system with the goal of identifying opportunities to advantages and disadvantages of direct marketing enhance energy efficiency.

The activity should result in an objective standard-based technical report containing recommendations for improving the energy efficiency. The report should also include an analysis of the after mckinley assassinated estimated benefits and costs of pursuing each recommendation and the simple payback period. Energy efficiency and conservation measures means equipment, materials and practices that when installed and used at a Consumer's premises result in a verifiable reduction in advantages and disadvantages energy consumption, measured in Btus, or demand as measured in Btu-hours, or both, at the point of purchase relative to a base level of output. The Scarlet Letter Chapter? The ultimate goal is the reduction of utility or consumer energy needs. Energy efficiency and conservation program (EE Program) means a program of of direct marketing activities undertaken or financed by a utility within its service territory to reduce the amount or rate of energy used by Consumers relative to a base level of output. HVAC means heating, ventilation, and air conditioning. Load means the Power delivered to power utilization equipment performing its normal function. Load factor means the ratio of the average load over a designated period of time to the peak load occurring in georges patton the same period. Peak demand (or maximum demand) means the highest demand measured over a selected period of time, e.g., one month.

Peak demand reduction means a decrease in electrical demand on an electric utility system during the system's peak period, calculated as the advantages and disadvantages of direct marketing reduction in maximum average demand achieved over supermarkets share, a specified interval of advantages and disadvantages of direct time. Power means the rate of generating, transferring, or using energy. The basic unit is the watt, where one Watt is approximately 3.41213 Btu/hr. Re-lamping means the initial conversion of letter chapter 23 bulbs or light fixtures to and disadvantages of direct marketing more efficient lighting technology but not the replacement of like kind bulbs or fixtures after the initial conversion. SI means the International System of Units: the modern metric system. Smart Grid Investments means capital expenditures for devices or systems that are capable of providing real time, two way (utility and Consumer) information and control protocols for individual Consumer owned or operated appliances and Information: Index, equipment, usually Start Printed Page 73368 through a Consumer interface or smart meter. Ultimate recipient means a Consumer that receives a loan from a borrower under this subpart. Utility Energy Services Contract (UESC) means a contract whereby a utility provides a Consumer with comprehensive energy efficiency improvement services or demand reduction services.

Utility system means an entity in the business of providing retail electric service to Consumers (distribution entity) or an entity in and disadvantages the business of georges patton providing wholesale electric supply to distribution entities (generation entity) or an entity in the business of providing transmission service to distribution or generation entities (transmission entity), where, in each case, the entities provide the applicable service using self-owned or controlled assets under a published tariff that the of direct entity and any associated regulatory agency may adjust. Watt means the SI unit of president mckinley assassinated power equal to advantages of direct marketing a rate of energy transfer (or the rate at Freud Debate which work is done), of one joule per second. (a) General. Advantages? Eligible EE Programs shall: (1) Be developed and implemented by an Eligible borrower and applied within its service territory; (2) Consist of eligible activities and investments as provided in § 1710.406. (3) Provide for chapter the use of State and local funds where available to supplement RUS loan funds; (4) Incorporate the applicant's policy applicable to of direct the interconnection of after assassinated distributed resources; (5) Incorporate a business plan that meets the requirements of § 1710.407; (6) Incorporate a quality assurance plan that meets the marketing requirements of § 1710.408; (7) Demonstrate that the program can be expected to The Question of God: Lewis and Sigmund Freud Debate God, Love, Sex and the Meaning be Cost effective; (8) Demonstrate that the advantages and disadvantages of direct marketing program will have a net positive or neutral cumulative impact on the borrower's financial condition over the time period contemplated in the analytical support documents demonstrating that the net present value of program costs incurred by Background Information: The Lincoln Index the borrower are positive, pursuant to and disadvantages of direct § 1710.411; (9) Demonstrate energy savings or peak demand reduction for the service territory overall; and.

(10) Be approved in writing by RUS prior to the investment of funds for The Question C.S. Lewis Freud Love, the Meaning which reimbursement will be requested. (b) Financial Structures. Eligible EE Programs may provide for direct recoupment of expenditures for eligible activities and investment from Ultimate Recipients as follows: (1) Loans made to Ultimate Recipients located in a rural area where (i) The Ultimate Recipients may be wholesale or retail; (ii) The loans may be secured or unsecured; (iii) The loan receivables are owned by the Eligible Borrower; (iv) The loans are made or serviced directly by of direct the Eligible Borrower or by of God: C.S. and Sigmund Freud Sex and a financial institution pursuant to of direct a contractual relationship between the market share Eligible Borrower and the financial institution; (v) Due diligence is performed to confirm the repayment ability of the Ultimate Recipient; (vi) Loans are funded only upon completion of the project financed or to advantages and disadvantages of direct reimburse startup costs that have been incurred; (vii) The rate charged the Ultimate Recipient is less than or equal to 23 the direct Treasury rate established daily by the United States Treasury pursuant to § 1710.51(a)(1) or § 1710.52, as applicable, plus the borrower's interest rate from RUS and advantages of direct marketing, 1.5 percent . The Scarlet Letter 23? Exceptions will be made on a case-by-case basis to ensure repayment of the government's loan and must be clearly articulated in the business plan RUS will not accept an exception request if the loan is feasible at 1.5 percent; and. (viii) Loans are not used to refinance a preexisting loan. (2) A tariff that is specific to marketing an identified rural Consumer, premise or class of ratepayer; or. (3) On bill repayment and other financial recoupment mechanisms as may be approved by RUS. (c) Period of performance (1) Performance standards. (i) Eligible EE Programs activities that are listed under § 1710.406(b) should be designed to achieve the applicable operating performance standards within one year of the date of installation of the man friday crusoe facilities. (ii) All activities other than those included in and disadvantages of direct marketing paragraph (c)(1)(i) of man friday robinson crusoe this section should be designed to achieve the advantages marketing applicable operating performance targets within the time period contemplated by the analytic support documents for the overall EE Program as approved by RUS. (2) Cost effectiveness.

Eligible EE Programs must demonstrate that Cost effectiveness as measured for the program overall will be achieved within ten years of initial funding, except in cases where the useful life of the supermarkets share technology on an aggregate basis can be demonstrated to be longer than the of direct marketing ten year period. RUS will evaluate the Background useful life assumption on a case-by-case basis. (a) General. Advantages Marketing? Eligible program activities and investments: (1) Shall be designed to improve energy efficiency and/or reduce peak demand on georges patton the customer side of the meter; (2) Shall be Cost effective in the aggregate after giving effect to all activities and investments contemplated in the approved EE Program; and. (3) May apply to all Consumer classes. (b) Eligible activities and investments. Eligible program activities and advantages marketing, investments may include, but are not limited to, the following: (1) Energy efficiency and conservation measures where assets financed at an Ultimate Recipient premises can be characterized as an president mckinley assassinated integral part of the real property that would typically transfer with the title under applicable state law. Where applicable, it is anticipated that the loan obligation would also be expected to transfer with ownership of the metered account serving that property. (2) Renewable Energy Systems, including (i) On or Off Grid Renewable energy systems; (3) Demand side management (DSM) investments including Smart Grid Investments; (4) Energy audits; (5) Utility Energy Services Contracts; (6) Consumer education and advantages and disadvantages of direct, outreach programs; (7) Power factor correction equipment on the Ultimate Recipient side of the Lewis and Sigmund Freud Debate of Life meter; (8) Re-lamping to more energy efficient lighting; and. (9) Fuel Switching as in: (i) The replacement of existing fuel consuming equipment using a particular fuel with more efficient fuel consuming equipment that uses another fuel but which does not increase direct greenhouse gas emissions; or. (ii) The installation of non-electric fuel consuming equipment to facilitate management of electric system peak loads.

Fuel switching to fossil or biomass fueled electric generating equipment is expressly excluded. (10) Other activities and investments as approved by RUS as part of the EE Program such as, but not limited to, pre-retrofit improvements. (c) Intermediary lending. EE Program loan funds may be used for direct re-lending to Ultimate Recipients where Start Printed Page 73369 the requirements of advantages and disadvantages marketing § 1710.405(b) are met. (d) Performance standards. C.S. God, Love, Sex And The Meaning Of Life? Borrowers are required to use Energy Star qualified equipment where applicable or meet or exceed efficiency requirements designated by the Federal Energy Management Program.

An Eligible EE Program must have a business plan for implementing the program. The business plan is expected to have a global perspective on the borrower's energy efficiency plan. Therefore, energy efficiency upgrades should be identified in aggregate. The business plan must have the following elements: (a) Executive summary. The executive summary shall capture the overall objectives to be met by and disadvantages the Eligible EE Program and the timeframe in The Lincoln Index which they are expected to be achieved.

(b) Organizational background. The background section shall include descriptions of the management team responsible for implementing the Eligible EE Program. (c) Marketing plan. The marketing section should identify the advantages and disadvantages of direct marketing target Consumers, promotional activities to be pursued and target penetration rates by Consumer category and investment activity. (d) Operations plan. The operations plan shall include but is not limited to: (1) A list of the activities and investments to be implemented under the EE Program and the Btu savings goal targeted for each category; (2) An estimate of the dollar amount of letter chapter 23 investment by advantages marketing the utility for each category of activities and investments listed under paragraph (d)(1) of this section; (3) A staffing plan that identifies whether and how outsourced contractors or subcontractors will be used to deliver the program; (4) A description of the process for documenting and perfecting collateral arrangements for Ultimate Recipient loans, if applicable; and. (5) The overall Btu savings to be accomplished over the life of the EE Program.

(e) Financial plan. The financial plan shall include but is not limited to: (1) A schedule showing sources and uses of man friday robinson funds for the program; (2) An itemized budget for each activity and and disadvantages, investment category listed in the operations plan; (3) An aggregate Cost effectiveness forecast; (4) Where applicable, provision for president after assassinated Ultimate Recipient loan loss reserves. These loan loss reserves will not be funded by RUS. Advantages Marketing? Loan loss reserves are not required when a utility will not be relending RUS funds. (5) Identify expected Ultimate Recipient loan delinquency and default rates and report annually on deviations from the expected rates.

(f) Risk analysis. The business plan shall include an evaluation of the financial and C.S. Freud Debate Love,, operational risk associated with the program, including an estimate of prospective Consumer loan losses consistent with the loan loss reserve to advantages of direct marketing be established pursuant to paragraph (e)(4) of this section. (g) The borrowers are strongly encouraged to follow a bulletin or such other publication as RUS deems appropriate that contains and share, describes best practices for energy efficiency business plans. RUS will make this bulletin or publication publicly available and revise it from advantages and disadvantages, time-to-time as RUS deems it necessary. An eligible EE program must have a quality assurance plan as part of the program. The quality assurance plan is expected to have a global perspective on letter the borrower's energy efficiency plan. Therefore, energy efficiency upgrades should be identified in aggregate. Every effort is made to fund only EE programs that are administered in of direct accordance with quality assurance plans meeting standards designed to achieve the purposes of the scarlet letter this subpart. However, RUS and its employees assume no legal liability for the accuracy, completeness or usefulness of any information, product, service, or process funded directly or indirectly with financial assistance provided under this subpart. Nothing in the loan documents between RUS and the energy efficiency borrower shall confer upon any other person any right, benefit or remedy of any nature whatsoever.

Neither RUS nor its employees makes any warranty, express or implied, including the of direct marketing warranties of merchantability and fitness for a particular purpose, with respect to any information, product, service, or process available from an energy efficiency borrower. The approval by RUS and its employees of an energy efficiency borrower's quality assurance plan is man friday, solely for the benefit of advantages and disadvantages of direct RUS. Approval of the quality assurance plan does not constitute an RUS endorsement. The Lincoln Essay? The quality assurance plan must have the following elements: (a) Quality assurance assessments shall include the use of qualified energy managers or professional engineers to evaluate program activities and investments; (b) Where applicable, program evaluation activities should use the protocols for determining energy savings as developed by advantages of direct the U.S. Department of Energy in georges patton the Uniform Methods Project. (c) Energy audits shall be performed for energy efficiency investments involving the and disadvantages of direct marketing building envelope at an Ultimate Recipient premises; (d) Energy audits must be performed by certified energy auditors; and. (e) Follow up audits shall be performed within one year after installation on a sample of investments made to confirm whether efficiency improvement expectations are being met. (f) In cases involving energy efficiency upgrades to Background Information: Essay a single system (such as a ground source heat pump) the new system must be designed and installed by certified and insured professionals acceptable to the utility. (g) Industry or manufacturer standard performance tests, as applicable, shall be required on any system upgraded as a result of an EE Program. This testing shall indicate the installed system is meeting its designed performance parameters. (h) In some programs the utility may elect to recommend independent contractors who can perform energy efficiency related work for their customers.

In these cases utilities shall monitor the work done by the contractors and marketing, confirm that the the scarlet letter 23 contractors are performing quality work. Utilities should remove substandard contractors from their recommended lists if the subcontractors fail to perform at advantages and disadvantages of direct a satisfactory level. RUS does not endorse or recommend any particular independent contractors. (i) Contractors not hired by the utility may not act as agents of the utility in performing work financed under this subpart. (j) The borrowers are strongly encouraged to follow a bulletin or other publication that RUS deems appropriate and contains and chapter, describes best practices for and disadvantages energy efficiency quality assurance plans. RUS will make this bulletin or publication publicly available and revise it from time-to-time as RUS deems it necessary.

(a) Loan term. The maximum term for loans under this subpart shall be 15 years unless the georges patton loans relate to ground source loop investments or technology on an aggregate basis that has a useful life greater than 15 years. Ground source loop investments as the advantages and disadvantages of direct term is used in this paragraph do not include ancillary Start Printed Page 73370 equipment related to ground source heat pump systems. (b) Loan feasibility. Loan feasibility must be demonstrated for all loans made under this subpart. Letter 23? Loans made under this subpart shall be secured.

(c) Reimbursement for completed projects. Advantages And Disadvantages Of Direct? (1) A borrower may request an initial advance not to exceed five percent of the letter chapter total loan amount for working capital purposes to implement an of direct eligible EE Program; (2) Except for the initial advance provided for in paragraph (c)(1) of this section, all advances under this subpart shall be used for reimbursement of man friday robinson expenditures relating to a completed activity or investment; and. (3) Advances shall be in accordance with RUS procedures. (d) Loan amounts. (1) Cumulative loan amounts outstanding under this subpart will be determined by the Assistant Administrator of the Electric Program and based an applicant's business plan; and. (2) Financing for and disadvantages of direct marketing administrative costs may not exceed 5 percent of the total loan amount. (3) The Rural Utilities Service reserves the right to place a cap on both the total amount of funds an eligible entity can apply for, as well as a cap on of God: C.S. Lewis God, Love, Sex and the Meaning the total amount of funds the Energy Efficiency and advantages and disadvantages of direct marketing, Conservation Program can utilize in the appropriations. The required application documentation listed in this section is not all inclusive but is specific to Eligible borrowers requesting a loan under this subpart and in most cases is georges patton, supplemental to the general requirements for loan applications provided for in this part 1710: (a) A letter from the advantages of direct marketing Borrower's General Manager requesting a loan under this subpart. (b) A copy of the Information: Index board resolution establishing the EE Program that reflects an undertaking that funds collected in excess of of direct then current amortization requirements for the related RUS loan will be redeployed for The Question of God: Lewis and Sigmund God, Love, of Life EE Program purposes or used to prepay the and disadvantages RUS loan. (c) Current RUS-approved EE Program documentation that includes: (1) A Business Plan that meets the requirements of § 1710.407; (2) A Quality Assurance Plan that meets the requirements of § 1710.408; (3) Analytical support documentation that meets the requirements of § 1710.411; (4) A copy of RUS' written approval of the Information: The Lincoln Index EE Program. (d) An EE program work plan that meets the requirements of of direct § 1710.255; (e) A statement of whether an 23 initial working capital advance pursuant to advantages and disadvantages marketing § 1710.409(c)(1) is included in the loan budget together with a schedule of how these funds will be used. (f) A proposed draft Schedule C pursuant to 7 CFR part 1718 that lists assets to be financed under this subpart as excepted property under the RUS mortgage, as applicable.

Applications for loans under this subpart may only be made for eligible activities and investments included in an RUS-approved EE Program. In addition to a business plan and operations plan, a request for EE program approval must include analytical support documentation that demonstrates the program meets the requirements of § 1710.303 and assures RUS of the operational and the scarlet letter, financial integrity of the EE Program. This documentation must include, but is not necessarily limited to, the following: (a) A comparison of the utility's projected annual growth in demand after incorporating the and disadvantages of direct EE Program together with an man friday crusoe updated baseline forecast on and disadvantages file with RUS, where each includes an estimate of energy consuming devices used by georges patton customers in the service territory and a specific time horizon as determined by the utility for meeting the of direct marketing performance objectives established by them for the EE Program; (b) Demonstration that the required periods of performance under § 1710.405(c) can reasonably be expected to be met; (c) A report of discussions and coordination conducted with the power supplier, where applicable, issues identified as a result, and the outcome of this effort. (d) An estimate of the amount of direct investment in utility-owned generation that will be deferred as a result of the market share EE Program; (e) A description of efforts to identify state and local sources of funding and, if available, how they are to be integrated in the financing of the EE Program; and. (f) Copies of sample documentation used by advantages of direct marketing the utility in administering its EE Program. (g) Such other documents and reports as the supermarkets Administrator may require. Nothing in this subpart changes a Borrower's obligation to comply with RUS's accounting, monitoring and reporting requirements. In addition thereto, the Administrator may also require additional management reports that provide the agency with a means of evaluating the extent to which the goals and objectives identified in advantages of direct marketing the EE Plan are being accomplished. Nothing in this subpart changes a Borrower's obligation to comply with all laws and regulations to which it is subject.

PART 1717POST-LOAN POLICIES AND PROCEDURES COMMON TO INSURED AND GUARANTEED ELECTRIC LOANS. 18. The authority citation for part 1717 continues to market share read as follows: End Amendment Part Start Authority. Subpart RLien Accommodations and Subordinations for 100 Percent Private Financing. 19. Amend § 1717.852 by and disadvantages revising paragraph (b)(2)(ii) to read as follows: End Amendment Part.

(ii) Renewable energy systems and RUS-approved programs of Demand side management, energy efficiency and energy conservation; and. PART 1721POST-LOAN POLICIES AND PROCEDURES FOR INSURED AND GUARANTEED ELECTRIC LOANS. 20. The authority citation for part 1721 continues to read as follows: End Amendment Part Start Authority. 21. Amend § 1721.1 by revising paragraph (a) to read as follows:

End Amendment Part. (a) Purpose and amount. Supermarkets Share? With the exception of minor projects, loan funds will be advanced only for projects which are included in an RUS approved construction work plan (CWP), EE Program work plan (EEWP), or approved amendment, and in an approved loan as amended. Loan fund advances can be requested in an amount representing actual costs incurred. PART 1724ELECTRIC ENGINEERING, ARCHITECTURAL SERVICES AND DESIGN POLICIES AND PROCEDURES.

22. Advantages And Disadvantages Of Direct Marketing? The authority citation for part 1724 continues to read as follows: End Amendment Part Start Authority. 23. Amend § 1724.30 by of God: C.S. and Sigmund revising paragraph (a) to and disadvantages marketing read as follows: End Amendment Part.

(a) Each borrower shall select one or more qualified persons to of God: Freud God, Love, Sex and the Meaning perform the engineering services involved in the planning (including the development of an advantages and disadvantages EE Program eligible for financing pursuant to subpart H of part 1710 of georges patton this chapter, design, and construction management of the system. PART 1730ELECTRIC SYSTEM OPERATIONS AND MAINTENANCE. 24. The authority citation for part 1730 continues to advantages read as follows: End Amendment Part Start Authority. Subpart BOperations and Maintenance Requirements.

25. Amend Appendix A to subpart B of Part 1730 by adding paragraph 13.f. to read as follows: End Amendment Part Start Appendix. Appendix A to Subpart B of Background The Lincoln Part 1730Review Rating Summary, RUS Form 300. f. Energy Efficiency and Conservation Program quality assurance compliance John Charles Padalino, Administrator, Rural Utilities Service.

1.  Senator Patrick Leahy as the Chairman of the Senate Committee on Agriculture, Nutrition and Forestry explained this provision in a letter dated June 18, 1993 to Senator Jim Sasser the Chairman of the advantages marketing Senate Committee on the Budget as follows: “These amendments also permit REA [now RUS] to make loans for demand side management and energy conservation program[s] which are required by The Question Lewis Debate Love, Sex and the Meaning some state agencies. They are also often the most cost effective methods of meeting the energy needs of rural areas.” 2.  This Bulletin was rescinded in 2002 when RUS updated and advantages marketing, codified the ERC Loan Program as 7 CFR Part 1721, subpart B. (See 67 FR 484, January 4, 2002).