Fwiw, I deal with chloramines in the tap water here too, and test my system for chlorine often. I bought a bottle of pool strips that test total chlorine and free chlorine (the difference is the amount of chloramine) from a hot tub store. In my system, with a 150 GPD membrane and 1 micron sediment and 1 micron carbon (nothing fancy), the system is able to remove all traces of chlorine and chloramine according to those strips. I have a single DI resin at the end, and it is able to get all the ammonia as far as my multiple test kits can tell (Salifert, API, and Seachem). The RO membrane is over 6 years old, and has filtered THOUSANDS of gallons of water (for a couple years it was making 200 gallons of RO/DI per week) with tap TDS of about 180-220 ppm depending on the time of year. The membrane is still producing only 2-3 ppm TDS. I do flush it after every use. If there was any chlorine getting to the membrane it would have been toast a long time ago. So my point being, you may not need all those fancy cartridges that are so well advertised. :D