In July, when heating oil was approaching $5 a gallon and the so-called experts were saying crude was headed to $200 and beyond, millions of homeowners were flipping coins. Heads, they'd commit to pay $4.50 to $4.75 a gallon for heating oil this winter; tails, they'd gamble it wouldn't going to $6 as predicted. In Connecticut, heads came up about 200,000 times. And as soon as those homeowners signed contracts with their suppliers, crude prices crashed 60 percent in less than four months. Today, heating oil can be had for as little as $2.40, c.o.d. As awful as those contracts...