 One of the key goals coming out of the Community Energy Plan was to try to look at ways of getting deep energy retrofits in our housing stock here in Holland. And looking at that, we identified that one of the ways that we might be able to help enable that for our customers would be to try to find a loan program that would be one stop shopping essentially where they could do the energy retrofit and place the loan right on their electric bill so they could actually repay it over time. That's called on-bill financing. Now we have this on-bill financing possibility that you can have your home assessed, get personalized, individualized ideas on what to do in your situation in your home will give you what that would cost. You can take that then and put it on your bill and the amount of money that you will save we're guaranteed you're going to save money on your bill will go to pay it off and we can help you in that. That's what you see with the on-bill program that having the longer terms provides greater affordability for homeowners having the underwriting criteria just be the on-time bill payment history opens it up to a greater number of people. Those are those are distinct components of the on-bill program that you can't find in other forms of financing. An additional investment of $2,000 really only amounts to a couple dozens of dollars per month over a 10-year period and so it makes it easier for people to say yes to these big these big improvements that are going to pay off in the long run. These homes need a lot of work and it is balanced between all those things that I have mentioned before between the weatherization, windows, appliances, HVAC equipment and when you do all those things it just makes a tremendous difference on the quality of life people have. The on-bill program has been amazing because it also gives access to people that might not be able to traditionally get a loan by going to the credit union or taking a home equity loan. It gives them different options in being able to do a full project so instead of just doing the bare minimum to make their house just a little bit better they're able to do the full project do everything that needs to be done and then be able to see the benefits of it all while being really reasonable for the financing and being simple for them to do and simple for them to have access to. Certainly having it on my bill and not have to worry about it is is a positive but also the fact that when the house is sold if the house gets sold that payment goes with the house. I expect my electricity bill will probably go down even though I'm using it more with the heat pump and my summer cooling costs will go down a lot. And so I think it really opens the door to a lot of people that one wouldn't do it at all and two certainly wouldn't go as deep and do as many things to make their home efficient safer and more comfortable. What I get excited about is our studies indicate that we have the potential to improve the overall energy efficiency of our housing stock by 50%. If we are able to reach that goal we then have the opportunity to save close to $10 million a year in utility bills. I think this program is great it's a great opportunity for the homeowner it's a win-win for seriously everybody involved the city the contractor and the homeowner. EESI has helped the city of Holland and other communities around the country to set up on-bill financing programs to help families cut energy bills. Thanks to our generous donors we are able to provide assistance to co-ops public utilities and local stakeholders at no cost. Please get in touch.