I just wanted to say that I have successfully installed hundreds of Payne brand systems over the last few years, for the budget minded HO's. Prior to switching to Payne, I sold Goodman for my low end customers. Goodman was a constant headache with repeated breakdowns and excessive warranty calls. Since the switch, maybe a handful of warranty calls. Brand does matter, when all other variables are equal, as in quality of installation, adequate ductwork, proper sizing, etc. I just have a hard time agreeing with some of the other pro's on here as far as the equipment doesn't matter mantra. I'm not comparing the high end stuff either. Just the builder grade model. Do you agree?