ENERGY: Reward for Thrift

A kilowatt saved is a kilowatt earned, and energy thrift should not have to be its own reward. So believe officers of the Seattle Trust & Savings Bank, who are now offering reduced-cost loans to customers who open new checking accounts and buy well-insulated homes, upgrade existing ones or purchase fuel-saving cars or boats. The buyer of a house that scores at least 15 points on an energy-saving rating system devised by the bank (five points for an efficient furnace, another five for ceiling insulation), can qualify for a 30-year mortgage at...

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