An insulating glass window unit comprising: first and second glass substrates (1, 2), and a coating supported by one of the substrates, the coating comprising: at least one layer comprising silver sandwiched between and contacting first and second contact layers (17, 21), wherein the first contact layer is located below said layer comprising silver and is oxidized to a lesser extent than is the second contact layer located above said layer comprising silver; and wherein said first contact layer comprises an oxide of Ni and/or Cr and is located between said layer comprising silver which is above said first contact layer and a layer comprising zinc oxide which is below said first contact layer; and wherein the coating comprises at least the following layers from the substrate which supports the coating outwardly: a first dielectric titanium oxide layer; a layer comprising zinc oxide; a first layer comprising silver; a contact layer comprising an oxide of Ni and/or Cr; a second dielectric layer; another layer comprising zinc oxide; said first contact layer; said layer comprising silver; said second contact layer; a third dielectric layer; and an overcoat layer; and wherein the IG window unit has a visible transmission of from 40 to 60%, a selectivity (T vis /SF) of at least 1.75, and a solar factor of no greater than 27.5. first and second glass substrates (1, 2), and a coating supported by one of the substrates, the coating comprising: at least one layer comprising silver sandwiched between and contacting first and second contact layers (17, 21), wherein the first contact layer is located below said layer comprising silver and is oxidized to a lesser extent than is the second contact layer located above said layer comprising silver; and wherein said first contact layer comprises an oxide of Ni and/or Cr and is located between said layer comprising silver which is above said first contact layer and a layer comprising zinc oxide which is below said first contact layer; and wherein the coating comprises at least the following layers from the substrate which supports the coating outwardly: a first dielectric titanium oxide layer; a layer comprising zinc oxide; a first layer comprising silver; a contact layer comprising an oxide of Ni and/or Cr; a second dielectric layer; another layer comprising zinc oxide; said first contact layer; said layer comprising silver; said second contact layer; a third dielectric layer; and an overcoat layer; and wherein the IG window unit has a visible transmission of from 40 to 60%, a selectivity (T vis /SF) of at least 1.75, and a solar factor of no greater than 27.5. at least one layer comprising silver sandwiched between and contacting first and second contact layers (17, 21), wherein the first contact layer is located below said layer comprising silver and is oxidized to a lesser extent than is the second contact layer located above said layer comprising silver; and wherein said first contact layer comprises an oxide of Ni and/or Cr and is located between said layer comprising silver which is above said first contact layer and a layer comprising zinc oxide which is below said first contact layer; and wherein the coating comprises at least the following layers from the substrate which supports the coating outwardly: a first dielectric titanium oxide layer; a layer comprising zinc oxide; a first layer comprising silver; a contact layer comprising an oxide of Ni and/or Cr; a second dielectric layer; another layer comprising zinc oxide; said first contact layer; said layer comprising silver; said second contact layer; a third dielectric layer; and an overcoat layer; and a first dielectric titanium oxide layer; a layer comprising zinc oxide; a first layer comprising silver; a contact layer comprising an oxide of Ni and/or Cr; a second dielectric layer; another layer comprising zinc oxide; said first contact layer; said layer comprising silver; said second contact layer; a third dielectric layer; and an overcoat layer; and wherein the IG window unit has a visible transmission of from 40 to 60%, a selectivity (T vis /SF) of at least 1.75, and a solar factor of no greater than 27.5.