areas Over time, the price of electrician labor grew faster than the cost of materials. This removed the price advantage of K&T methods, especially since they required time-consuming skillful soldering of in-line splices and junctions, and careful hand-wrapping of connections in layers of insulating tape. Knob-and-tube wiring can be made with high current carrying capacity. However, most existing residential knob-and-tube installations, dating to before 1940, have fewer branch circuits than is desired today. While these installations were adequate for the electrical loads at the time of installation, modern households use a range and intensity of electrical equipment unforeseen at the time. Household power use increased dramatically following World War II, due to the wide availability of new electrical appliances and devices. Modern home buyers often find that existing K&T systems lack the capacity for today's levels of power use. First-generation wiring systems became susceptible to abuse by homeowners who would replace blown fuses with fuses rated for higher current. This overfusing of the circuits subjects wiring to higher levels of current and risks heat damage or fire. Knob-and-tube wiring may also be damaged by building renovations. Its cloth and rubber insulation can dry out and turn brittle. It may also be damaged by rodents and careless activities such as hanging objects from wiring running in accessible areas like basements or attics. Currently, the United States National Electrical Code forbids the use of loose, blown-in, or expanding foam insulation over K&T wiring. This is because K&T is designed to let heat dissipate to the surrounding air. As a result, energy efficiency upgrades that involve insulating previously uninsulated walls usually also require replacement of the wiring in affected homes. However, California, Washington, Nebraska, and Oregon have modified the NEC to conditionally allow insulation around K&T. They did not find a single fire that was attributed to K&T, and permit insulation provided the home first passes inspection by an electrician. As existing K&T wiring gets older, insurance companies may deny coverage due to a perception of increased risk. Several companies will not write new homeowners policies at all unless all K&T wiring is replaced, or an electrician certifies that the wiring is in good condition. Also, many institutional lenders are unwilling to finance a home with the relatively low-capacity service typical of K&T wiring, unless the electrical service is upgraded. Partial upgrades, where low demand lighting circuits are left intact, may be acceptable