The Plan

90 Days.

Not 90 years.

Every action. Every owner. Every deadline. No new institutions. No legislation required for the first wave.

What is happening today — while you read this
0
gas boilers installed in Europe today
0
new fossil fuel cars sold in Europe today
0
gigawatt-hours of clean power wasted today
0
leaving European communities in fossil fuel payments today

Sources: ACEA, European Heat Pump Association, Aurora Energy Research, 2024–25

Wave One

Days 1 to 30

Decisions that cost nothing. Announcements that shift behaviour before they take effect.

Day 1
Every municipality
Send the letter
How — One-page energy guide emailed to every household and business. Solar costs and savings, loan available, local installer, community battery for renters.
Cost — Under £50,000 per municipality. Existing staff.
Result — Every household in the area knows the numbers. Most don't. This fixes that today.
Day 3
Every car dealer
Add the EV comparison to the finance screen
How — Side-by-side on every finance screen — petrol model versus EV equivalent, same monthly payment, three-year running cost. EV column loads first.
Cost — Development: weeks. Dealer group decision: one meeting.
Result — 36,000 car buyers a day see the EV number at the moment of decision. Today they don't.
Day 5
Every mortgage broker
Ask the energy question
How — One question added to every appointment: "Would you like to see what solar and a battery would add to this mortgage?" Default: show it.
Cost — FCA guidance: one letter. Training: half a day.
Result — 3,000 conversations a day in Britain alone that currently don't happen.
Day 7
National governments
Announce the levy removal
How — Green levies move from electricity bills to general taxation. Date the change. Announcement alone shifts purchasing behaviour.
Cost — UK full removal: £4.5bn/yr. Less than one week of the 2022 crisis.
Result — Electricity becomes visibly cheaper. Heat pump economics flip overnight.
Day 30
EU Commission
Announce the Iberian rule for Europe
How — Announce the gas price cap mechanism becomes permanent EU market design. Announcement alone shifts investment decisions.
Cost — Zero direct cost. Rule change, not subsidy.
Result — Every European electricity market begins pricing against the coming reform.
Wave Two

Days 14 to 90

Financing instruments that already exist, deployed at scale.

Day 14
Banks
Launch the green mortgage add-on
How — Solar, battery, heat pump, EV charger folded into additional secured borrowing at the mortgage rate. State half-point guarantee makes it commercially attractive.
Cost — State guarantee: ~£260m/yr maximum, only drawn on defaults.
Result — The cheapest green financing in the market at the moment households are already borrowing.
Day 25
Employers
Activate green salary sacrifice
How — EV, solar, heat pump added as standard benefit alongside pension. Existing salary sacrifice infrastructure. Zero cost to employer.
Cost — Zero cost to employer. Tax efficiency reduces employee cost 20–40%.
Result — Millions of employees access green financing through payroll they couldn't access individually.
Wave Three

Days 35 to 90

Regulatory decisions that cost nothing. Classification changes that move billions.

Day 35
Financial regulators
Classify batteries as infrastructure assets
How — FCA/ECB guidance: home batteries, heat pumps and EV chargers eligible for additional secured borrowing at infrastructure rates. One regulatory letter.
Cost — Zero fiscal cost. Regulatory decision only.
Result — Home batteries move from consumer credit (8–12%) to mortgage rates (4–5%).
Day 60
Housing associations
Board resolution: whole-stock solar
How — Every major housing association passes a resolution to install solar on all eligible rooftops using sovereign-rate green lending. ASTER model from Flanders — proven, ready to replicate.
Cost — Sovereign lending at 2–3%. Repaid from bill savings. Net positive from year one.
Result — The third of Europe that rents enters the transition.
Day 90
All actors
Publish the 90-day scorecard
How — Green mortgages issued versus last quarter. EV finance uptake. Municipality letters sent. Surplus absorbed versus curtailed.
Cost — Reporting cost only.
Result — The 90-day sprint becomes the 180-day sprint. Then the operating model.
What It Costs
Policy ActionAnnual CostType
Municipality campaigns~£50mExpenditure
Remove electricity levies£4.5bnTax shift — not new spending
Green mortgage state guarantee~£260mGuarantee — drawn on defaults only
EV finance rate guarantee~£100mGuarantee — drawn on defaults only
Battery infrastructure classification£0Regulatory decision
Iberian pricing reform£0Market rule change
Housing association solar lending~£300mSovereign loan — repaid from savings
Total annual cost — full programme~£6bn/yr

UK energy crisis — one winter: £150 billion.
EU total crisis spending 2022–23: €800 billion.
Years of this programme for the cost of one crisis: 25 years.
The subsidy lasted a winter. The debt lasts a decade.

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