Hi All: Look at the following code:

StringBuilder row = TemplateManager.GetRow("xyz"); // no control over this method 
StringBuilder rows = new StringBuilder();

foreach(Record r in records)
{
    StringBuilder thisRow = new StringBuilder(row.ToString());
    thisRow.Replace("%firstName%", r.FirstName)
       .Replace("%lastName%", r.LastName)
          // all other replacement goes here
       .Replace("%LastModifiedDate%", r.LastModifiedDate);

    //finally append row to rows
    rows.Append(thisRow);
}

Currently 3 StringBuilders and row.ToString() is inside a loop. Is there any room for further optimization here?

Thanks a bunch. :-)