Randy, Spudco, avta, B-roter, Benquin,
Great suggestions all, my thanks. The zone system is very attractive and I'll discuss with the contractor. I was told by a neighbor that because this is an older house, 101 y.o., with returns only on the first floor, that the absence of returns on 2nd floor prevents makes a zone system for the 2nd floor impossible ... that doesn't make sense to me but I'll discuss with the contractor. (I corrected a mistake in the original post; the house was buit in 1913, not 2013)
Thanks again,
Kp