Most new homes—or even ones built within the last 20 years— have an HVAC system that is relatively efficient, insulation that is up to code, and windows that will keep out the drafts. Those who live in older or mobile homes have to undertake retrofit projects to get a modern-day level of efficiency. Many people cannot afford the up-front costs of energy efficiency projects. In South Carolina, Ecova and a group of electric cooperatives (co-

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