My October utility bill just arrived, and I cracked 5 digits in credits, 10,273 KWH's in the bank. November is typically when my production falls behind my consumption. So all winter I will use up part of my credits, and part of this will be coal fired Wyoming coal, as my utilities hydro output also drops off a bit. I don't lose any sleep how this pencils out, the partial winter time coal versus the other 9 months of wind, PV and micro hydro, all I know is it works for me. I do know I don't dread the utilities bill when it arrives in the mail, instead, I look forward to it.