Cleaner Waters through Smarter Growth discusses how accounting for future pollution loads from growth and adopting smart growth policies can help reduce nitrogen pollution loads to the Chesapeake Bay. It notes that 26% of future household growth will result in 63% of future nitrogen pollution load if located on septic systems rather than connected to sewer. The document advocates establishing differentiated pollution loads for different types of development, offsetting 100% of the post-development load for all new development, and allowing trading to offset loads. It also proposes policy reforms to limit sprawling subdivisions and require analysis of their environmental impacts.