| Altos_Management_Partners_Inc_ Providers of electricity, natural gas, crude oil, LNG, coal and other energy models. Tools and techniques, publications, and contact information. |
| American_Utility_Management Provider of submetering, billing and water conservation services for the multifamily housing industry. Overview, services, and events. |
| Applied_Energy_Group,_Inc_ Specialize in gas and electricity. Functions include unbundling, key customer contracting, implementation and evaluation, software development, business diversification, load forecasting, and load da |
| Ashokan_Water_Services Assistance with water conservation engineering, utility and bill auditing, meter installation and repair, and conservation assistance in the New York Metropolitan area. |
| Avistar_Inc_ Focusing on proprietary hardware and software solutions that address critical operational issues for both plant and T&D systems within the energy industry. |
| Ben_Johnson_Associates,_Inc_ An economic research and consulting firm that produces expert testimony and other research reports on behalf of government agencies and corporations involved in public utility regulation. |
| Blue_Heron_Consulting Professional services providing solutions that try to enable clients to gain or maintain a competitive edge. Services, contact information, and job openings. |
| Blue_Ridge_Partners An executive management advisory firm helping corporations to discover and optimize the value of buried businesses. Clients, services, and contact information. |
| Booth_and_Associates_Inc_ Engineering and financial services to rural electric cooperatives and municipalities. Background, contacts, and current proposal requests. |
| British_Independent_Utilities Utility Consultants who aim to help to reduce your energy costs through all aspects of procurement, energy managament, utility planning, execution and analysis |
| Choice_Energy Provides businesses with an energy market information source for funding and associated products. Services, news, and the community. |
| Clear_River_Technical_Services_Corporation Provides consulting for electrical engineering and PC board design. |
| Clive_Myers__Consultancy_in_Utilities Services in gas and electricity. Experience, services, and contact information. UK based service. |
| The_Columbia_Group,_Inc_ Expert witness firm in the areas of utility regulation and in electric and gas utility restructuring. Services, references, and contact information. |
| Competitive_Assets Value-added information and advice on Texas electric utility issues and government action strategies. Services, reports, and contact information. |
| Consulting_Engineers_Group,_Inc_ Electric utility and telecommunications engineering. Distribution and substation design, planning, analytical studies, and construction support. |
| Control_System_Consulting Provides technical expertise to utility companies seeking supervisory control and data acquisition (SCADA) system procurement. Services and contact information. |
| D&D_Energy_Solutions D&D Energy Solutions help Save companies up to 30% on thier Electric Bill by providing innovative, long-term strategies for energy procurement in Texas and other deregulated energy markets.We will |
| Depreciation_Valuation_Services Consulting firm offering Depreciation Studies, Valuations and associated services including Expert Testimony, and its Depreciation/Valuation-Projection PC Software System v. 3.10 (DVS 3.10.) |
| Drazen_Consulting_Group Consultants in public utility regulation, energy economics and utility-related strategic planning. Services to utility customers, utilities and regulators. |
| The_E_Group An energy consulting group specializing in utility management. Products, services, and contact information. |
| EIC_-_Energy_Efficiency_Centre Supplier of utility market services, undertaking utility procurement and energy management. Pricing, services, and contact information. UK company. |
| Electrical_Safety_Consultants_International,_Inc_ Safety, training, and wellness services to the electric utility industry. Training services required by federal and state OSHA regulations. |
| Elthion Outsourced bureau billing service provider for telecommunications and utilities sectors. Background, services, and news. Based in Ireland. |
| Energized_Solutions Provider of human resources and technology consulting services to business, government and utilities, |
| Energy_&_Resource_Solutions,_Inc_ Assists utilities, government and large commercial and industrial end users solve energy and resource problems. Services, employment, and contact information. |
| Energy_Analytics Specialises in the deregulation of the utility markets and a leading energy consulting services firm, focused on securing demand response and energy efficiency savings for our customers |
| Energy_Audits Independent consultancy that advises companies on all aspects of communications. Services, case studies, and contact information. UK company. |
| Energy_Management Solutions to reduce energy, water and telecommunications expenses, concentrating on reductions in overall business costs and overpayment recovery. |
| Energy_Procurement_-_Gas_and_Electricity Our goal is to deliver efficient low cost gas and electricity services. We understand the Australian Energy markets, and can give you advice when procuring and managing your energy costs. |
| energyCRM Information and insight on CIS and CRM problems, solutions and services for the energy industry. Provided by Energy Central and Chartwell Inc. |
| EnerNOC,_Inc_ Demand response and energy management solutions for commercial end-users, utilities, and wholesale suppliers. Supplying guaranteed electrical capacity when and where it is needed most. |
| EnFlex_Corp Networked information management, monitoring, and control gateway. Products, demos, and support. |
| Enspira_Solutions_Inc_ Provides consulting, systems integration, managed services, data services, and field services to utilities and governments. |
| En*Vantage,_Inc_ Management consulting services on midstream energy practices including natural gas, electricity and petrochemicals. Clients, investments, and contact information. |
| Environex,_Inc_ Offer technology, strategic planning, engineering, and training services to companies and organizations concerned with clean energy technologies. Services and contact information. |
| EPRIsolutions Engineering and consulting company offers services in power generation, environment, and transmission. Solutions, employment, and news. |
| ESI_Inc__of_Tennessee Design engineering and construction firm that specializes in the engineering and associated services for steam and power generation facilities. |
| Eutilia Provides procurement and research services for the electricity, water, gas, waste, railway and telecommunications sectors. |
| Exel__Energy_Group_Inc_ Provides advisory services to clients in the business of production, transmission, distribution and retailing of natural gas or electricity. |
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WESTLAKE VILLAGE, CA—The average customer’s satisfaction with mortgage originators has risen slightly as consumer expectations have fallen and lenders have become more diligent, according to a yearly study by J.D. Power & Associates here.
The average satisfaction rate for mortgage originators on a scale of 1-1,000 was 757, seven points up from the previous year.
The top 10 originators received the following scores: SunTrust Mortgage (790), National City Mortgage (788), Wachovia (786), Wells Fargo (766), Bank of America and Washington Mutual (both scored 764), CitiMortgage/CitiBank (760), GMAC Mortgage (742), Chase (729) and Countrywide (728).
When asked how the company rankings for this year compared to years past, J.D. Power financial services practice director Tim Ryan noted that “SunTrust did well last year and has consistently done well, as has Wachovia.” Bank of America which slipped slightly to No. 5 this year, had held varying positions among the top three with SunTrust and Wachovia the previous two years. Mr. Ryan said he still considered BoA to have fared well in this year’s rankings. National City, which ascended to No. 3 this year, had been ranked No. 4 in 2007.
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Mr. Covino, president of Tarrytown, New York-based jumbo loan specialist LUXMAC Home Mortgage, has written an opinion piece on why he believes a "dehumanization" of the underwriting process is the fundamental cause of the mortgage market's current crisis and why that needs to be changed. The following are his opinions on these topics.
The fundamental cause of the credit crisis in this writer's opinion is the relatively recent (last 10 years) complete reliance on the credit scoring system in rendering credit decisions on everything from home mortgages to credit cards, car loans and even insurance policies.
We now have all the proof we need that software programs, based on logarithms that are unknown for the most part by anyone associated with the lending decision, are not accurate predictors of loan performance. Is there anyone out there that still believes they are other than the Federal Trade Commission, which ruled that credit scoring is "a reliable means of credit evaluation?" Certainly I do not believe to any degree that relying on a credit score in making a decision to lend is prudent. I do however believe it can have significant adverse consequences for lenders and borrowers alike.
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