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A Versatile Panel Which Generates Heat and Electricity BothStandard PV Panels typically only convert 10-15% of solar radiation into electricity and the rest is dissipated as waste heat. Photovoltaic (PV) cells suffer from a drop in efficiency with the rise in temperature due to increased resistance. A PV-T (Photovoltaic-Thermal) collector generates both electricity and usable thermal heat at the same time from one panel. These systems combine a photovoltaic cell, which converts electromagnetic radiation (photons) into electricity, and a solar thermal collector, which captures the remaining ene