Actually, it's everywhere. It's a general barrier, but it's not the only one. There are things the federal government could do, such as promoting energy performance contracting but also maybe guaranteeing loans and so on. That could help reassure the marketplace.
There are other barriers, such as split incentives. For instance, businesses in strip malls have a business place, but they have limited power of action on their energy consumption and energy savings. They don't own the building. They rent it. Green leases that address the issue of shared benefits and split incentives should be promoted.
As we go into deep retrofits, there are longer payback periods. The federal government can help by reducing these longer payback periods for deeper retrofits. When you start looking at building envelopes, they cost a lot. There are other solutions done elsewhere that are more regulatory. For instance, I think in Burlington and Oakland, in the U.S., when a building is sold, they automatically have to bring it up to code.
There are different avenues. There are different solutions. Some are financial, some are regulatory and some are organizational, such as green leases and so on. There are different barriers and different solutions for different barriers.