If Jim Katen does decide to start a pay site for Apollo, I'd join in a heartbeat. I am heating (attempting to heat is more accurate) a 5,000 square foot home with a 20 year old Apollo system we bought after viewing it at a home show. The tank is 100 gallons and we have 3 zones, each with their separate air handler. The boiler is fueled by oil. Without the pellet stove we would have frozen to death on numerous occasions for all the reasons previous posters have indicated. We have what appears to be small white and green material clogging faucet filters which require cleaning monthly. Today, with the temp near freezing the main unit is not putting out warm air. The other zones, bonus room and upstairs which have been used less are working. After reading years of your postings, it appears that i have a clog somewhere, most likely in a coil. I have never drained the water heater. I'm handy but not sure I want to start tearing apart the air handlers or water heater if there isn't a relatively easy DYI fix. Looking for any input or suggestions. JL