An innovative system to finance energy efficiency upgrades for renters and low-income people has been gaining traction around the country. The system, basically run by two men working out of their home offices in Vermont, is running in eight states. Although the program known as PAYS (Pay As You Save) has yet to be implemented by any utilities in New Jersey, interest in it is growing around the country, fueled in part by concern over climate change. Landlords like this program because upgrades