I read online where 1997 statistics say the average home consumption of heating oil is 730 gallons a year. Now that it's 5 bucks a gallon. That's $3650 dollars a year. I also read where the average installed cost of a geo thermal heat pump is $7500. It sounds like a no brainer to me. Even if it only cuts the cost of heating in half, that's a four year pay back. Throw in cheaper cooling in the summer and it should be less than 4 years. I wonder if these things are finally going to take off?