Mark Newton Lowry was a panelist in the Financial Research Institute (FRI)'s 2018 Symposium on Innovations in Public Utility Business Models & Financing for the 21st Century. The Symposium took place on September 26th at the University of Missouri. The panel examined the economics underlying existing business models and how such models might evolve in the future. Included in this discussion were issues such as the current state of rate of return design, the challenge of distributed resources, fuel diversity, estimating the cost of capital, incorporating affordability and access, and possible innovations and adjustments in utility revenue capture models.