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reply to Don<br/><br/>Don,<br/>Thanks for the info. I'm in Mathews County, middle peninsula. So you say that, if I don't have good insulation and new windows, the ductless systems or heat pump-type forced air systems would not be a good idea, and that hot-water baseboard is a better idea? I do plan to insulate the attic better, and to put in new windows, at least in the older part of the house.<br/><br/>Any specific feeling about the ductless systems? Better/worse than heat-pump-duct systems?<br/><br/>My inclination is to go for baseboard heat, and thru-wall AC.<br/><br/>Should baseboard heat be any less expensive than the quotes I got for the heat pump?<br/><br/>Joel

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