Interesting. My buddy has a 'Water Furnace' and his total utility bill for his new raised roof ranch (no basement) is 70 bucks a month all in, winter and summer, summer is ac, winter is heat. Think if I was 20 years younger, I'd have one as well but even at 70 a month I don't believe he can beat my free corn corn burner. 1 skid of pellets ($215) last me the entire heating season November through end of March and the corn is free. I'd say I'm doing good though I still have my +90 condensing furnace (propane) for a backup for those really frigid and windy days when the corn burner cannot quite keep up. Maybe I should purchase a second one, actually considering that.