A new study done for the Wisconsin Public Service Commission predicts that although solar could meet two-third of the state’s electric needs, fewer than two percent of those panels are likely to be installed under current market conditions. That’s because many people can’t afford the upfront costs of solar panels and lack financing options or don’t control their roofs — either because they rent or live in multifamily housing, according to the report. The study by the consulting firm Cadmus is designed to inform how regulators determine what utilities allow their customers to do and how they compensate them for excess electricity as well as how to allocate resources within the state’s $100 million energy-saving program.