Wall Street Journal: States are backing big energy-efficiency programs, spurred by the belief that they could hold down heating and electricity bills, as well as cut greenhouse-gas emissions. The programs, usually funded by surcharges on utility bills, help customers weatherize their homes and install new lighting systems, among other things. Total annual spending on the efficiency programs is expected to rise from $3.1 billion in 2008 to $7.5 billion to $12.4 billion by 2020, according to a study …