As a result of significant government subsidies for photovoltaic solar electric systems, wind turbines, etc., there are those who suggest that a ZEB is a conventional house with distributed renewable energy harvesting technologies. Entire additions of such homes have appeared in locations where photovoltaic (PV) subsidies are significant, but many so called "Zero Energy Homes" still have utility bills. This type of energy harvesting without added energy conservation may not be cost effective with the current price of electricity generated with photovoltaic equipment, depending on the local price of power company electricity. The cost, energy and carbon-footprint savings from conservation (e.g., added insulation, triple-glazed windows and heat pumps) compared to those from on-site energy generation (e.g., solar panels) have been published for an upgrade to an existing house here.