Toronto Star: You want to put solar panels on your rooftop, a geothermal system in your backyard, or maybe spend $20,000 doing a comprehensive energy retrofit of your home. It will pay off over time, right? But there’s one big stumbling block: the high upfront cost. And what if you decide to sell your home and can’t recoup that investment? Even in Ontario, where you can earn a hefty premium by selling solar power back into the grid, there’s still much reluctance in the market to drop that …