Twenty years is the maximum term regardless of how long a measure lasts — a thirty-year roof still finances over twenty — and term is further constrained by the weighted average useful life of the package. The cap compresses the annual assessment on long-lived measures, which is exactly why strong projects are usually packages rather than single line items. Includes a worked weighted-average calculation and three packaging constructions: carry, where a fast-payback measure carries a slow one; life-balance, where a long-life measure lengthens the available term for the whole package; and sequencing, where load-reducing work comes before the equipment sized to it. Ends with five questions owners actually ask about term. The packaging decision is the technical judgment an owner cannot make alone and a contractor will not make on their behalf.
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