An example fuel cell assembly includes a separator plate. Non-porous and hydrophobic flow field layers are associated with the separator plate. An electrolyte retaining matrix comprises silicon carbide powder and has a mean particle size of about 3 microns and a thickness of about 0.05 mm Hydrophilic substrates are associated with catalyst layers. The hydrophilic substrates are about 70% porous and have a void volume that is about 40% filled with transferable phosphoric acid in an initial condition. A condensation zone cools a vapor passing from the assembly to less than about 140° C.