I think they have an archaic system and inaccurate methodology.

Feel free to send a DM and I would be glad to send you a copy of the list and Calculation Methodology that they use.

I'm going to look into this method using your methodology even with the higher interest rates to see if it's advantagous to me.

As for your methodology of contracting with investors and asking for deposit.

The most successful ones have a methodology and they stick to it.

So the methodology and practice exist. 

No judgment on those who use them or who use their methodologies - they're just not for me!  

He is a big believer in Dave Ramsey's methodology and I consider him to be my "Poor Dad".

My challenge to anyone in CA, specifically the Bay area, is to post a link to the methodology used in the "study".

Unrelated to investing per se but relative to fundamentally addressing the real world practices of effecient infrastructure in residential buildings as a whole is the extreme and profound unwillingness of individual property owners to actually embrace and implement equipment & methodologies to mitigate the "purported" climate crisis.From my myopic perspective having to fight with residential customers who have zero knowledge of thermo dynamic, ohm's law and efficiency measures is highly hypocritical.People claim to care but are closed minded to energy saving and efficient operating homes.End rant