Don't forget to check the service charge for natural gas. In some cases, it can be significant enough to more than offset any savings. The latest (conventional) heat pumps are getting so efficient that they're competitive with natural gas in many areas.
How much does it cost to install the ground loop (just the loop itself, no equipment) from the start? It's probably worth installing just in case you decide to get geothermal later on.
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To my surprise, shortly after Naomi Wu gave me a bit of fame for making good use of solar power, Allie Moore got really jealous of her...
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