In 1992 Congress mandated a pilot demonstration of energy-efficient mortgages (EEMs) in five States. In 1995 the pilot was expanded as a national program. FHA insured 27,150 EEMs in FY2001, 30,331 in FY2002...
Advance preparation and planning ensure successful and productive association meetings. Organizers should strive to make meetings orderly and business-like, but avoid excessive formality as it can intimidate...