THE CITY OF MONTEREY HAS ANNOUNCED A NEW PROGRAM THAT AIMS TO HELP RESIDENTS CUT BACK ON ENERGY COSTS. THE HOME ENERGY RETROFIT OPPORTUNITY OR HERO IS A NATIONAL PROGRAM THAT OFFERS PROPERTY OWNERS THE CHANCE TO CUT BACK ON POLLUTION AND WATER USE. PARTICIPANTS WILL HAVE THE OPPORTUNITY TO UPGRADE THEIR HOME BY MAKING ONE PAYMENT A YEAR ADDED TO THEIR PROPERTY TAXES.    TO APPLY, VISIT HEROPROGRAM.COM.