11 HEAT PUMPS; SOLAR ENERGY COLLECTOR PANELS; SOLAR ENERGY SYSTEMS FOR HEATING WATER, EACH COMPRISING A SOLAR ENERGY COLLECTOR PANEL, STORAGE TANK, PUMP, VALVES AND CONTROLS; AND SOLAR ENERGY SYSTEMS FOR HEATING BUILDINGS, EACH COMPRISING A SOLAR ENERGY COLLECTOR PANEL, STORAGE TANK, PUMP, VALVES AND CONTROLS