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Utility bills rarely jump because of one dramatic failure. More often, they rise quietly, month after month, because a heating or cooling system is working harder than it should. In Elgin, that pattern shows up all year. Winter forces furnaces to run for long stretches. Summer heat and humidity push air conditioners to cycle more often. Between those two extremes, a neglected system can waste a surprising amount of energy without the homeowner noticing anything more than a