NOVELTY - A photovoltaic and thermal solar panel assembly comprises photovoltaic array within frame having backing sheet on lower surface, in which an upper surface is exposed to sky without the presence of glazing layer; heat transfer plate; plastic tubing within channels of the heat transfer plates; and heat transfer fluid within plastic tubing, in which the panel converts incoming radiant energy into thermal energy for heating during the day and the absence of the glazing layer allows for release of radiant energy to the night sky for cooling.    USE - Photovoltaic and thermal solar panel assembly for heating and cooling interior of building (claimed).    ADVANTAGE - The assembly does not require the presence of glazing which allows the photovoltaic cells to operate at a lower temperature and at a higher efficiency. The absence of glazing allows the panel to be used to provide night time cooling for a building.    DETAILED DESCRIPTION - Photovoltaic and thermal solar panel assembly comprises frame; photovoltaic array within the frame having upper surface facing skyward, lower surface away downward, photovoltaic cell on upper surface for converting solar energy directly into electricity, and backing sheet on the lower surface, in which the upper surface is exposed to the sky without the presence of a glazing layer, the glazing layer being a transparent sheet separated from the upper surface of the photovoltaic array by a gas or a vacuum; heat transfer plate having flat top surface bonded to the lower surface of the photovoltaic array, bottom surface, and integral channel formed on the bottom surface; plastic tubing within channels of the heat transfer plates; and heat transfer fluid within plastic tubing, in which the panel converts incoming radiant energy into thermal energy for heating during the day and the absence of the glazing layer allows for release of radiant energy to the night sky for cooling. An INDEPENDENT CLAIM is included for a method of heating and cooling an interior of a building.    DESCRIPTION OF DRAWING(S) - The drawing is a schematic view of a simplified water heating application.