The document discusses PACE (Property Assessed Clean Energy) programs in Florida that were created by the state legislature to create jobs, save property owners money, and reduce energy use and costs for consumers. It specifically describes PACE programs in Collier County that allow property owners to borrow from county funds to pay for energy efficient and hurricane hardening improvements. The loans are repaid through assessments over 20 years, and the reduced energy and insurance costs are meant to outweigh the loan and assessment costs. The programs are said to create construction jobs, cost property owners nothing while saving them money, not cost taxpayers, and reduce both energy costs and use.