Hiram, my place's windows are double plane and it has 8" of insulation. Since we worry more about 110 degree weather for 5-6 months than cold, our air conditioner, therefore our heater, vents are high near the ceilings ( cool air being denser will drop down ) and it's ineficient for the winter. We generally do not have basements and most attics are so small as to be more of a afterthought so it is simply not for the winter. My home is 10 years old so it's generally up to date. Very few homes here have rain gutters so as the snow melts there is a lot of dripping all around the house. I have no fireplace ( didn't want to pay extra for something which here is merely decorative ) so the last few days I have to put more clothing on than usual to stay warm. It's now 31 degrees according to the Weatherbug program in my PC. Cold sucks. Can't wait for warmer weather already.