A coated article including a coating supported by a glass substrate, the coating consisting of: first and second infrared reflecting layers comprising silver, and top, middle and bottom dielectric portions (T, M, B), each including at least one dielectric layer, wherein the top dielectric portion has an effective index of refraction n T and is provided above the top infrared -reflecting layer, wherein the effective index n T is calculated as a weighted average of the top dielectric portion, the middle dielectric portion has an effective index of refraction n M and is provided between the infrared -reflecting layers, wherein the effective index n M is calculated as a weighted average of the middle dielectric portion, and the bottom dielectric portion has an effective index of refraction n B and is provided below the lower infrared reflecting layer, wherein the effective index n B is calculated as a weighted average of the bottom dielectric portion, and wherein n T < n M < n B, wherein the bottom dielectric portion comprises a first dielectric layer comprising titanium oxide provided between the first IR reflecting layer and the glass substrate, wherein the middle dielectric portion comprises a second dielectric layer having an index of refraction 1.8 < = n < = 2.2 provided between the first and second infrared reflecting layers, wherein the second dielectric layer has an index of refraction n less than the index of refraction n of the first dielectric layer, wherein the top dielectric portion comprises a third dielectric layer comprising titanium oxide provided over the first and second IR reflecting layers, and a fourth dielectric layer comprising silicon oxide provided over the third dielectric layer comprising titanium oxide; and wherein the coated article has a visible transmission of at least 70%. first and second infrared reflecting layers comprising silver, and top, middle and bottom dielectric portions (T, M, B), each including at least one dielectric layer, wherein the top dielectric portion has an effective index of refraction n T and is provided above the top infrared -reflecting layer, wherein the effective index n T is calculated as a weighted average of the top dielectric portion, the middle dielectric portion has an effective index of refraction n M and is provided between the infrared -reflecting layers, wherein the effective index n M is calculated as a weighted average of the middle dielectric portion, and the bottom dielectric portion has an effective index of refraction n B and is provided below the lower infrared reflecting layer, wherein the effective index n B is calculated as a weighted average of the bottom dielectric portion, and wherein n T < n M < n B, wherein the top dielectric portion has an effective index of refraction n T and is provided above the top infrared -reflecting layer, wherein the effective index n T is calculated as a weighted average of the top dielectric portion, the middle dielectric portion has an effective index of refraction n M and is provided between the infrared -reflecting layers, wherein the effective index n M is calculated as a weighted average of the middle dielectric portion, and the bottom dielectric portion has an effective index of refraction n B and is provided below the lower infrared reflecting layer, wherein the effective index n B is calculated as a weighted average of the bottom dielectric portion, and wherein n T < n M < n B, wherein