Recently, I had purchased a mid-efficiency Carrier furnace for my house. Carrier had been recommended by many people and I wanted the best for my dollar. Unfortunately, when the installation began the installers found that they had no access to the chimney flume for gas exhaust. Hence, they suggested a high efficiency furnace. The name they suggested was Payne keeping in mind that I didn't want to pay much more than I did for the Carrier mid--efficiency. The installer said that the furnace was made by Carrier and was every bit as good but at a lower price. Having few options due to the fact they were half way through the installation, I agreed to the installation. Now I am having doubts. I cannot confirm that Carrier is the maker of Payne furnances nor can I confirm that the quality of the Payne furnances matches that of the Carrier high efficiency. Could you help me out and answer my last two concerns?