How$martKy is a partnership between Mountain Association for Community Economic Development and four rural uility cooperatives in Eastern Kentucky. The program overcomes the biggest obstacle to energy retrofits for homeowners and small busineses by eliminating upfront payments. The utility conducts a house energy assessment and oversees the upgrades. Customers pay by installment as part of their monthly electric bill, which is lowered because of the energy savings. Renters are eligible as long as the property owner agrees.