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It was one more form of identification, as well as building credit.
The Rubensteins were fortunate: someone told them to start building credit soon after they arrived from the former Soviet republic of Belarus in 1993.
New York State has taken the lead in making commercial and residential buildings more efficient and more in harmony with the environment by adopting a "green building credit" against state income taxes.
Similarly, the huge makers of electronic cash registers, including the NCR Corporation and I.B.M., are working on building credit card reading and verification into their machines, similarly doing away with the need for a special terminal.
The "green building credit" against state income taxes was signed into law two years ago, but its implementation has been held up in "a debate of final issues" by the Department of Environmental Conservation, said Craig Kneeland, senior project manager for the state's Energy Research and Development Authority.