The Mathematical Scam of Premium Heat Pumps

I get asked about HSPF2 ratings all the time, and the national brochures never give you the real answer for Oklahoma. Too low and you waste money on the power bill for 15 years. Too high and you overpay on the install and never see the payback. For most Central Oklahoma homes, the sweet spot is 8.5 to 9.5 HSPF2 with a two-stage or variable speed unit sized to a Manual J load calc. I walk through real operating cost numbers at each efficiency tier, where the payback math goes thin, and what the OG&E rebate threshold means for your choice. More episodes: https://hartzellsheatair.com/podcast/

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Transcript

Why Premium Efficiency Can Be A Scam

SPEAKER_01 0:00

Aaron Powell What if I told you that buying the absolute most energy-efficient, top-of-the-line, eco-friendly heat pump for your house is well, it's actually a mathematical scam that will cost you thousands of dollars. You'll like literally never get back.

SPEAKER_00 0:16

We are all so conditioned to believe that higher efficiency numbers just automatically equal a smarter financial decision.

SPEAKER_01 0:23

Trevor Burrus, Jr. Bigger number means better, right?

SPEAKER_00 0:25

Trevor Burrus Exactly. But uh in the world of residential heating and cooling, the math actually tells a very, very different story.

SPEAKER_01 0:32

Aaron Powell Welcome to today's deep dive, everyone. If you have ever been sitting at your kitchen table, you know, just staring at this glossy brochure from an HBAC contractor, looking at a literal wall of alphabet soup acronyms and all those proprietary marketing terms. Yes. All of that. And wondering if you are about to get totally taken for a ride, well, this deep dive is specifically for you. We have a really detailed stack of source material today, breaking down heat pump efficiency ratings.

SPEAKER_00 0:59

And you know, what makes this specific analysis so vital is that it completely ignores those generic one-size-fits-all national blogs.

SPEAKER_01 1:07

Aaron Powell Which are everywhere, by the way.

SPEAKER_00 1:09

Right. They're everywhere, but they don't help much because we are looking at the localized reality of the Oklahoma climate and really just the southern United States in general.

SPEAKER_01 1:18

Aaron Powell Because I mean that's where most homeowners make their first big mistake, right?

SPEAKER_00 1:22

Aaron Powell Oh, absolutely. A heat pump performs very differently in, say, our mild southern winters compared to like a literal blizzard in Minnesota. So our goal today is to arm you with the specific numbers you need to find that that financial and performance sweet spot for your region.

SPEAKER_01 1:38

Aaron Powell And I love the core philosophy we're extracting from these sources today. It's simple, right? Buy a specification that is too low and you just bleed money on your monthly power bill.

SPEAKER_00 1:48

Right. But buy a spec that is too high and you burn thousands of dollars up front on installation costs that mathematically you will never recoup.

SPEAKER_01 1:56

Never. So we are going to build your armor against bad quotes. Whether you are, you know, shivering with a broken system right now, or just want to be an informed homeowner when that inevitable day comes, and it will come, we need to start by translating the drug in. Let's do it.

HSPF2 Explained In Plain English

SPEAKER_01 2:12

So the absolute biggest acronym on that glossy brochure is HSPF2. What um what are we actually looking at here?

SPEAKER_00 2:20

Okay, let's break that down. So HSPF stands for Heating Seasonal Performance Factor. It is basically a ratio used to measure how efficiently a heat pump operates during the winter.

SPEAKER_01 2:30

Okay, a winter efficiency ratio. How do they actually calculate that?

SPEAKER_00 2:33

Aaron Powell So to get this number, the testing laboratory takes the total heating output of the system over a typical season, which is measured in BTUs, and they divide it by the total electricity it consumes over that same season, measured in watt hours.

SPEAKER_01 2:45

Okay, wait, let's pause on BTUs for a second, because that's another one of those terms contractors just throw around constantly. What is a BTU in like practical terms?

SPEAKER_00 2:53

Aaron Powell Right, a British thermal unit. The easiest way to visualize a BTU, I think, is to imagine the amount of heat generated by lighting one single wooden kitchen match.

SPEAKER_01 3:03

Plus one tiny match. Okay.

SPEAKER_00 3:05

Exactly. So the HSPF ratio is essentially calculating how many matches worth of heat you get out of the machine for every uh every watt of electricity you feed into it.

SPEAKER_01 3:15

Oh wow. So a higher number simply means you are extracting more heat per unit of electricity.

SPEAKER_00 3:20

You got it. That's exactly it.

SPEAKER_01 3:21

That makes perfect sense. But uh I'm looking at the acronym and the source material, and there's a two at the very end of it. Why HSPF two instead of just HSPF?

Why Ratings Changed In 2023

SPEAKER_00 3:31

Yeah, that two represents a massive shift, and honestly, it trips up a lot of consumers. As of January 2023, the federal government fundamentally changed the testing procedure.

SPEAKER_01 3:40

Okay, how so?

SPEAKER_00 3:41

They retired the old HSPF standard, which is sometimes called HSPF1 now, and they introduced HSPF2. They did this because, well, the old test was notoriously overly optimistic.

SPEAKER_01 3:52

Oh, so it made the machines look better than they actually were.

SPEAKER_00 3:54

Pretty much. The new HSPF2 test is significantly more rigorous. It's designed to mimic the harsher real-world conditions your machine actually faces outside in the elements.

SPEAKER_01 4:05

Okay, let's unpack this. So it is essentially like testing a car's miles per gallon. Under the old rules, the EPA was only testing these heat pumps on like totally flat highways with a nice tailwind.

SPEAKER_00 4:17

Yeah, best case scenario.

SPEAKER_01 4:18

Right. And now the HSPF2 test forces them into stop and go city traffic. The physical machine sitting in your yard didn't get any worse. The grading curve just got much steeper and honestly a lot more honest.

SPEAKER_00 4:31

That is the perfect way to look at it. And this leads to a massive aha moment for homeowners who are comparing quotes or, you know, reading older articles online.

SPEAKER_01 4:39

Because the numbers drop.

SPEAKER_00 4:40

Exactly. Because the test is harder, the numbers dropped across the board. So an impressive rating of 9.5 on the old outdated standard is roughly equivalent to an HSPF2 rating of just 8.1 today.

SPEAKER_01 4:52

Wait, really? That is a staggering drop.

SPEAKER_00 4:54

It's huge.

SPEAKER_01 4:55

So if I'm reading a blog post from, say, 2022 telling me I absolutely need a 9.5 rating, and I go demand that from a contractor today under the new HSPF2 rules, I am asking for a fundamentally different, vastly more expensive tier of equipment without even realizing it.

SPEAKER_00 5:12

You absolutely are. You're asking for premium when you think you're asking for mid-tier. And to anchor this in the current law, the federal minimum HSPF2 rating required for the southern half of the United States, which includes Oklahoma, is 7.5.

SPEAKER_01 5:26

7.5. Okay, I'm writing that down.

SPEAKER_00 5:28

Yeah, that is the absolute legal floor. You cannot legally buy a heat pump worse than a 7.5.

SPEAKER_01 5:33

Got it.

SEER2 And The Cooling Metric

SPEAKER_01 5:34

But heating is only half the battle, right? Because heat pumps are basically just air conditioners that can run in reverse. So if HSPF2 is the winter metric, what is the summer metric on this brochure?

SPEAKER_00 5:44

Great question. For cooling, you are looking for CR2, that's seasonal energy efficiency ratio.

SPEAKER_01 5:49

And I'm guessing the two is there for the exact same reason.

SPEAKER_00 5:51

Yep, exact same fundamental concept. It's the total cooling output divided by total electrical input tested over the summer season. And just like HSPF, the testing standards changed in 2023. The current legal minimum down south for cooling is 14.3 C or two.

SPEAKER_01 6:09

Okay, so we have a 7.5 HSPF2 minimum for heating and a 14.3 HS2 minimum for cooling. If I'm a homeowner looking at the full spectrum of models, and I see the numbers go way, way up from those minimums, where is this magical sweet spot you mentioned?

The Oklahoma Efficiency Sweet Spot

SPEAKER_00 6:24

Right. So for a moderate climate like Oklahoma, the absolute golden range is an HSPF2 between 8.5 and 9.5.

SPEAKER_01 6:30

8.5 to 9.5. Okay.

SPEAKER_00 6:32

And on the cooling side, you want to pair that with a 16 HR2 rating. That specific combination, 8.5 to 9.5 for heating, 16 for cooling it, aligns perfectly with mid-tier equipment from highly reliable brands. We're talking train, climate master, Mitsubishi, folks like that.

SPEAKER_01 6:46

Oh okay. I have to push back on this a little bit because it kind of feels like we're just settling for a B minus grade here.

SPEAKER_00 6:50

I get that a lot.

SPEAKER_01 6:51

Right. Because if 9.5 is good, wouldn't a premium, I don't know, 10.5 HSPF2 system paired with a 20 CR2 cooling rating be even better? If I want to completely slash my carbon footprint, be as eco-friendly as possible, and, you know, have the best house on the block, why shouldn't I just buy the biggest numbers on the market?

SPEAKER_00 7:10

Look, it is a totally rational assumption, especially when all the marketing leans so heavily into being green and saving the planet. But um, this is where we really have to look at the physics of diminishing

Diminishing Returns And Real Costs

SPEAKER_00 7:21

returns.

SPEAKER_01 7:21

Diminishing returns. Okay, walk me through the mechanics of that. Why does the efficiency curve flatten out so drastically?

SPEAKER_00 7:27

So remember that heat pumps do not generate heat like a gas furnace does. They move thermal energy from the outside air into your house.

SPEAKER_01 7:35

Okay, they're moving heat, not making it.

SPEAKER_00 7:37

Exactly. Now pulling ambient heat out of 50 degree air is relatively easy, but pulling heat out of 15 degree air, that forces the compressor to work exponentially harder.

SPEAKER_01 7:46

Aaron Powell That makes sense. There's just less heat out there to grab.

SPEAKER_00 7:49

Right. So to achieve a premium 10.5 rating, manufacturers have to use massive, oversized copper coils, specialized refrigerant paths, highly sensitive sensors just to wring the last microscopic drops of thermal energy out of freezing air.

SPEAKER_01 8:04

Oh wow. So they have to really over-engineer the box.

SPEAKER_00 8:07

They do. The cost to build that hardware skyrockets, but the physical amount of extra heat you capture simply doesn't scale linearly with a massive price tag.

SPEAKER_01 8:15

Okay, let's put some real dollars to this physics lesson because our sources outline a really great real-world example. They look at a three-ton heat pump unit on a typical 1,800 square foot home in central Oklahoma. How does the billing actually break down here?

SPEAKER_00 8:29

Sure. Let's say you purchase that federal minimum system, the 7.5 HSBF2. It will cost you roughly $700 to $850 a winter to heat that home.

SPEAKER_01 8:38

Okay. $700 to $850.

SPEAKER_00 8:40

Now let's bump you up into the bottom of our sweet spot, an $8.5. Your winter heating cost drops to about $620 to $750. So you save roughly $80 to $100 a year.

SPEAKER_01 8:49

That's a solid drop. I definitely see the value there. Let's keep climbing.

SPEAKER_00 8:53

Okay, we bump you to the top of our sweet spot, a $9.5. Your bill drops again down to roughly $560 to $680. So you save another $60 to $70 a year.

SPEAKER_01 9:03

Okay, still saving.

SPEAKER_00 9:04

But now let's make that massive leap to the absolute top tier, a 10.5 HSPF2. Your bill drops to maybe $520 to $640.

SPEAKER_01 9:13

Wait, really?

SPEAKER_00 9:14

Yeah, you only save an extra $40 to $50 a year for that final massive jump in efficiency.

SPEAKER_01 9:19

Wow. So the higher I go, the less money I actually save on the monthly bill. But I'm paying for all those crazy hardware upgrades up front on the day of installation. How does the payback period work out?

SPEAKER_00 9:30

Well, upgrading from the bare minimum into that $8.5 to $9.5 sweet spot costs an extra $800 to $1,500 up front.

SPEAKER_01 9:37

Okay, that's not too crazy.

SPEAKER_00 9:38

It's not. And since a heat pump generally lasts about 15 years, that sweet spot premium will completely pay for itself in operating savings over six to ten years. So for the last third of the machine's life, it is putting pure profit back in your pocket.

SPEAKER_01 9:50

I like the sound of pure profit. But what about that leap to the premium 10.5?

SPEAKER_00 9:54

Jumping from a 9.5 to a top-tier 10.5 might cost you an additional $1,500 up front. But remember, you are only saving an extra 40 to 50 bucks a year at that point.

SPEAKER_01 10:05

Oh man, doing the math in my head, that's a long time.

SPEAKER_00 10:08

It would take you 30 years to recoup that money. Yeah. The machine will be dead, hauled away, and sitting in a landfill a full decade before it ever breaks even.

SPEAKER_01 10:16

So you really are paying thousands of dollars for eco-friendly bragging rights, not actual financial efficiency.

SPEAKER_00 10:22

Precisely.

Payback Math And Break Even Time

SPEAKER_01 10:23

Okay, so we have the target numbers locked in 8.5 to 9.5 HSPF2 and 16 CR or two. Do I just like point at the brochure, tell the contractor I want that specific box and call it a day?

SPEAKER_00 10:35

Absolutely not. You cannot just look at the box rating, because real world efficiency is entirely dictated by how the machine is sized for your house and how it operates under stress.

SPEAKER_01 10:44

Okay, let's tackle sizing first.

Sizing Problems And Manual J

SPEAKER_00 10:46

A contractor should never, and I mean never, just stay in your yard, look at the size of your house, and eyeball the required tonnage.

SPEAKER_01 10:52

I feel like a lot of them do that though.

SPEAKER_00 10:54

They do, and it's terrible. Because if they install a unit that is too small, it won't be able to pull enough heat from the winter air. It will be forced to rely on auxiliary electric heat.

SPEAKER_01 11:04

Which is bad, I assume.

SPEAKER_00 11:05

Aaron Powell It's basically turning on giant toaster coils inside your ductwork. It costs an absolute fortune to run, and it instantly destroys all those operating savings we just calculated.

SPEAKER_01 11:14

Aaron Powell Oh, yikes. Toaster coils in the ducks. What happens if they go the other way, though? Like if I just ask them to install the biggest, most powerful unit they have on the truck so my house cools down and heats up instantly, buying an oversized heat pump is wait, it's basically like buying a massive commercial dump truck to commute to a desk job, isn't it?

SPEAKER_00 11:34

Aaron Ross Powell That is a flawless way to visualize it, yes.

SPEAKER_01 11:36

Aaron Powell Because it has an immense amount of power, but it never actually hits its highway cruising speed. You are just constantly slamming on the gas and hitting the brakes at every single stoplight.

SPEAKER_00 11:45

Aaron Powell Exactly. And in the HVAC industry, that is called short cycling. An oversized unit blasts this massive amount of conditioned air, hits the thermostat target in like five minutes, and violently shuts off.

SPEAKER_01 11:56

Just boom, off.

SPEAKER_00 11:58

Right. And because it never reaches a steady, continuous running state, it burns excessive electricity during those harsh startups. Worse, in the summer, because it doesn't run long enough to actually pull moisture out of the air, it totally fails to dehumidify your home.

SPEAKER_01 12:12

Oh, so you end up feeling cold but clammy. I hate that feeling.

SPEAKER_00 12:17

It's the worst. And all that starting and stopping burns out the internal motors years before they should fail.

SPEAKER_01 12:22

Okay, so how do I ensure they don't give me a dump truck or a toaster coil?

SPEAKER_00 12:26

You demand what is called a manual J load calculation.

SPEAKER_01 12:30

Manual J?

SPEAKER_00 12:31

Yes. It is an incredibly precise mathematical formula that factors in your square footage, the thickness of your insulation, the type of windows you have, and even the direction your house faces.

SPEAKER_01 12:42

Wow, it goes that deep.

SPEAKER_00 12:43

It has to. It determines the exact thermodynamic load of your home. Any reputable installer will run a manual J before giving you a final quote.

SPEAKER_01 12:51

I'm writing manual J down in permanent ink right now.

Variable Speed And Communicating Systems

SPEAKER_01 12:55

Now, you also mentioned we need to look at how the machine operates. The source material talks heavily about single stage versus variable speed systems. How do those mechanisms differ?

SPEAKER_00 13:05

So this gets to the very heart of how a heat pump physically functions. A single stage unit is binary. It is either completely off or it is running at 100% capacity.

SPEAKER_01 13:15

Like the dump truck slamming on the gas.

SPEAKER_00 13:18

Right, exactly. A variable speed unit, however, utilizes an inverter-driven compressor.

SPEAKER_01 13:23

Okay, how does an inverter change things?

SPEAKER_00 13:25

Think of a standard single stage motor like a basic light switch. An inverter acts like a dimmer switch. It physically modulates the electrical frequency being sent to the compressor motor.

SPEAKER_01 13:35

Oh, that makes sense.

SPEAKER_00 13:36

Yeah, so instead of blasting on at 100%, a variable speed unit might gently ramp up and run at just, say, 30% capacity. It just hums along quietly, continuously trickling in just enough heat or cold air to perfectly maintain the temperature.

SPEAKER_01 13:50

Without those violent spikes in energy consumption. Okay, the bruchure I'm looking at also uses the phrase fully communicating system right next to variable speed. Is that the exact same thing?

SPEAKER_00 13:59

Not exactly, but they do work together. A traditional thermostat just sends a raw electrical voltage signal to turn the unit on or off. A communicating system means the thermostat is actually a proprietary computer that sends complex digital data packets down to the outdoor inverter.

SPEAKER_01 14:15

So they're like talking to each other.

SPEAKER_00 14:17

Constantly they talk back and forth, tweaking the compressor's speed in 1% increments based on the exact temperature and humidity inside the house.

SPEAKER_01 14:24

I mean, that sounds incredibly efficient, but also incredibly expensive to fix if that proprietary computer board breaks.

SPEAKER_00 14:31

It is very expensive.

The Cheap Out Trap Vs Overspec Trap

SPEAKER_00 14:33

Which brings us to the two major purchasing traps homeowners face. The first is the cheap out trap.

SPEAKER_01 14:39

Okay, what's that?

SPEAKER_00 14:39

You get a quote for a system at, say, $6,500. It is the absolute federal minimum 7.5 HSPF2, 14.3 SE ER2, single stage bare bones machinery.

SPEAKER_01 14:52

And you think you are saving a couple thousand dollars on the installation.

SPEAKER_00 14:55

Right. But you will bleed that entire savings back over the next five years in higher utility bills, all while suffering through loud, clammy on and off cycling.

SPEAKER_01 15:05

So the cheap option is actually the most expensive option long term.

SPEAKER_00 15:09

Without question. But on the other extreme is the overspec trap.

SPEAKER_01 15:13

Okay, the dump truck trap.

SPEAKER_00 15:14

Yeah. A slick salesperson convinces you that you absolutely must have the top-of-the-line 10.5 HSPF2 20C or two fully variable communicating system. They quote you $14,000.

SPEAKER_01 15:28

Ouch.

SPEAKER_00 15:29

Meanwhile, a perfectly sized mid-tier system would have cost you $10,500 and kept your house wonderfully comfortable. Instead, you overpaid by $3,500 for a marginal gain in efficiency that the laws of thermodynamics guarantee you will never pay you back.

SPEAKER_01 15:42

Man, that's brutal. Okay, I won't play devil's advocate

When Premium Systems Actually Make Sense

SPEAKER_01 15:45

here, though. Are there any exceptions to this rule? Like who is the actual target market for that $14,000 premium system?

SPEAKER_00 15:51

Fair point. The sources outline three very specific scenarios where that top-tier equipment actually makes mathematical sense.

SPEAKER_01 15:57

Okay, what's the first one?

SPEAKER_00 15:59

First, massive homes with incredibly high heating loads. Think 5,000 square feet or more. The sheer volume of air means the absolute dollar savings scale up, which actually shrinks that payback period.

SPEAKER_01 16:12

That makes sense. Bigger house, bigger math. What's the second?

SPEAKER_00 16:15

Second, homeowners who know with absolute certainty they are staying in that specific house for 20 plus years.

SPEAKER_01 16:22

Ah, so they are willing to ride the equipment until it turns to dust to capture that back-end value.

SPEAKER_00 16:27

Exactly. And the third exception, homes with onsite solar panels.

SPEAKER_01 16:31

Oh, because they're making their own electricity.

SPEAKER_00 16:33

Yep. If you are generating your own power, the marginal cost of your electricity is already incredibly low. The ultra-low power draw of an inverter-driven premium heat pump synchronizes beautifully with the output of a solar array.

SPEAKER_01 16:47

Okay, so we have figured out the exact machine to buy, we've found the sweet spot, and we know the traps to avoid.

Tax Credits End And Utility Rebates

SPEAKER_01 16:53

But um, none of this math matters if the government is paying for half of the installation anyway, right? Because a lot of online guides tell homeowners to just buy the premium gear because massive federal tax credits will offset the extra cost. What does the financial landscape actually look like right now in 2026?

SPEAKER_00 17:11

Okay. This is perhaps the single most critical piece of intelligence we can offer you today. Every listener needs to hear this very clearly. Those federal tax credits are completely dead.

SPEAKER_01 17:21

Wait, completely dead.

SPEAKER_00 17:22

Completely. The Section 25C credit for air source heat pumps and the section 25D credit for geothermal systems, they both expired on December 31st, 2025. Wow. Yeah, they are gone. You cannot factor federal tax credits into your math for an installation today.

SPEAKER_01 17:37

No safety net from the federal government at all. Does that mean we are entirely on our own for the upfront costs?

SPEAKER_00 17:42

Not entirely, no. The shift has just moved from federal taxes down to local utility rebates. So in Oklahoma, this primarily means OGE.

SPEAKER_01 17:49

Okay, what are they offering?

SPEAKER_00 17:50

They offer a high efficiency HVAC rebate of $1,500 per unit up to a maximum of $3,000 per home.

SPEAKER_01 17:57

That's a solid chunk of change.

SPEAKER_00 18:00

It is. But here is the vital catch. To get that $1,500 check, your new heat pump must hit their specific efficiency thresholds. If you fall into the cheap out trap and buy the $7.5 minimum system, you forfeit the rebate entirely.

SPEAKER_01 18:15

Oh man, so the math on the cheap system gets even worse. You think you saved money up front, but you actually just threw away a $1,500 rebate from the utility company while ensuring your monthly bills will be higher for the next decade.

SPEAKER_00 18:28

Precisely. It is a compounding financial error.

SPEAKER_01 18:31

But wait, the sweet spot we were talking about earlier, does that qualify?

SPEAKER_00 18:34

That is the brilliant news. The 8.5 to 9.5 HSPF2 sweet spot we have been talking about lines up perfectly with the equipment that qualifies for those utility rebates.

SPEAKER_01 18:44

That is fantastic. So what does this all mean? Let's bring this all together for you guys.

Your Buying Checklist For Contractors

SPEAKER_01 18:48

When you are sitting at that kitchen table, you do not have to be intimidated by the brochure anymore.

SPEAKER_00 18:52

Not at all.

SPEAKER_01 18:53

Your target is an HSPF2 rating between 8.5 and 9.5 for the winter, paired with a 16 C or two rating for the summer. You are going to look the contractor in the eye and demand a manual J load calculation so the machine is precisely sized for your square footage. No eyeballing. No eyeballing. And you are going to seek out a two-stage or variable speed unit so the compressor acts like a dimmer switch, continuously maintaining your comfort instead of slamming on and off like a dump truck at a stoplight.

SPEAKER_00 19:24

Right. And if a contractor quotes you below that sweet spot, you know they are trying to cost you a utility rebate and increase your monthly bills.

SPEAKER_01 19:31

And if they quote you a $14,000 system above that sweet spot.

SPEAKER_00 19:35

You make them sit down and calculate the exact thermodynamic payback period, that knowledge is the real armor you need.

SPEAKER_01 19:41

I love that.

A Future Where Rebates Set The Rules

SPEAKER_00 19:42

And you know, it brings up a lingering thought I really want you to consider today. With massive federal tax incentives completely vanishing at the end of 2025, the power to define what is efficient has shifted entirely back to local utility companies.

SPEAKER_01 19:55

Because they hold the purse strings with their rebates.

SPEAKER_00 19:57

Exactly. They set the rules of the game now. And as our local power grids experience increasing strain over the next decade, will these utility companies start raising those minimum rebate thresholds?

SPEAKER_01 20:09

Oh, interesting.

SPEAKER_00 20:10

Right. Could we see a future where they literally force us to buy that 10.5 premium equipment just to get any financial help at all, regardless of whether the laws of thermodynamics actually make it a sound investment for our specific homes?

SPEAKER_01 20:24

That is a very provocative thought and definitely something we are going to have to watch very closely as the grid evolves. Well, thank you so much for taking this journey with us today. The next time you are staring at an appliance brochure that feels like it's designed to confuse you, just remember. You have the translation now.

SPEAKER_00 20:41

Yeah, you have the math.

SPEAKER_01 20:43

Don't let the glossy paper and the big numbers distract you from the actual physics of your own home. Stay curious, ask the hard questions, and we will catch you on the next deep dive.