Creating Clean Energy Reverse Mortgages (CERM)could not only be a stimulus for the the solar and alternative energy industry, it would also be a stimulus for our ailing economy. As many as 50 million homeowners could safely qualify for a loan that would not only save people money on their utilities but they would also be  very sound loans for the banking industry currently plagued with toxic assets as well as barren  investment opportunities. It would also significantly help us curb CO2 emissions .The concept would require very little government taxpayer outlay, yet it would create potentially thousands of green colar jobs. Also, the money saved  on utility bills by homeowners who invest through a Clean Energy Reverse Mortgage (CERM) would be like a monthly tax rebate check, which would also boost consumer confidence.