money comes an goes, you're a lucky man to have this problem caught.
check with your gas provider about rebates for a new furnace, I haven't done the research yet,but I believe there's up to $500 available but you've got to peel away the red tape to find it. there's also tax write offs.
try here -->
http://www.gasnetworks.com/efficienc...e_Brochure.pdf
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