| http://www.w3.org/ns/prov#value | - For the full report and other resources visit: http://middleincome.lbl.gov April 4, 2012 Alternative Underwriting Criteria - Using Utility Bill Payment History as a Proxy for Credit: Case Study on Clean Energy Works Oregon Launched as a Portland-based pilot in April 2010, Clean Energy Works Oregon (CEWO) provides outreach, 140
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