>>>
>>>Now if you're building it for yourself, you're a minuscule minority, and statistically not too important.
>>
>>Home owners are a minority in the States ?
>
>No, but they don't typically build it for themselves. They buy what's on the market. And the market forces the builders to watch their bottom line. So whatever isn't mandatory in the building code won't be done, unless it can help the sale.

while we don't have extremes in temperature here - guess that's why they call it a temperate climate - building regulations regarding insulation are getting stricter by the year.
Makes sense to me : beat the problem at its source

A+
jml