NICOLE JONIEC'S biggest regret, five years after moving into a century-old rowhouse in South Philadelphia with her husband and their two cats, is that she didn't zoom out a little more when she had checked out her new address on Google Maps. Joniec, 37, who works at the Free Library, said she now feels "silly" that she didn't realize how close they would live to the ancient, sprawling refinery on the banks of the Schuylkill, then owned by Sunoco and which today - with a new owner, Philadelphia Energy Solutions - is booming with crude oil fracked in North Dakota.