The City of Hood River is working on a 20-year plan for water and sewer system upgrades and how to plan to pay for them.  City Councilors heard a presentation on the needs facing the City in those areas, including old sewer lines with leaded joints and the need for improved water pressure in the growing west side of town.  City Manager Steve Wheeler says part of the challenge is how to pay for improvements, particularly when federal funding is drying up.  He adds loans are still available, but you have to plan how to pay them back, primarily through systems development charges and rates.  Councilors will consider the information they receive as they look to make decisions on finalizing a 20-year plan.