I have been experimenting with this application for some time now. I have found that water is an excellent heat transfer medium (relative to air). It will readily absorb radiant heat and release it to a thermal storage medium (such as a subfloor gravel bed.) In a simple circulating loop this works fine when temps are above freezing, however shortly after sundown when your circ. pump shuts down any water in the portion of the line outside will freeze if not drained out. One alternative is to use ethylene glycol as a transfer medium rather than water, or if you would rather not run antifreeze under your floor or through your walls, you could utilize a second heat transfer loop of EC/h2o where an insulated transfer tank kept outside, will circulate water through the interior loop and EC through the collector loop. None of these methods however, approaches the effiency and promise of hydrated salts as a latent heat bank. Na+, Mg+,Li+, sulfate or nitrate will collect heat as a liquid while the sun shines and then release it's latent heat as it solidifies as temps drop to freezing. These PCMs (phase change materials) are being utilized for both heating and cooling applications and if purchased in raw form and mixed DIY are realitively cheap. There are many companies clamoring for patents of proprietarty blends with specific properties (and collecting a handsome return for their R&D!) but these compounds are inexpensive and not particularly hazardous with proper handling and storage. There are some challenges to be overcome involving the settling and separating of the matrix over time but I am really jazzed about the possiblities. As the heat is released by the salt bed through the night, your circ. pump will continue to pumping heat into your home. I am limited by my residence (renting) as to just how much I can experiment with this but if any of you have the means and inclination I would love to hear your experience!