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"Energy efficiency and passive-solar heating save homeowners huge amounts each year in reduced utility bills," says Emily Dekker-Fiala, office coordinator for the group. "Many of our homeowners came from poorly built, drafty, energy-inefficient rental homes--houses built for copper miners at the turn of the century. These homes often cost $200 to $300 a month to heat. In our energy-efficient homes, heating bills run from $20 to $30 per month." What people need to realize, she says, is that an important aspect of affordable housing is not just the initial cost of the house, but making sure that people can afford to continue living in it.

Broz recommends farmers contact their state''s DNR for guidelines on land spreading of petroleum-contaminated soils. The depth they have to excavate varies by the size of the spill and the soil type, but it''s generally only a few feet. In high-traffic areas, or where soils have a high clay content, less excavation may be required."Farmers need to be proactive with environmental protection," adds Broz. "They should do a Farm-A-Syst analysis, clean up existing problems, and take action needed to prevent future ones. Then show the results to their banker and insurance agent. In some cases, this has helped farmers qualify for reduced rates."