Joe, Thank you, I will increase the insulation in the area's that don't have cathedral and I am looking into spray foam insulation some more. Maybe doing just the rim joist and cathedral ceiling area. Hopefully I can get some better numbers with a construction loan I can't go back and get more money. Unfortunately all of the contingency money I had plus some went to rock removal. moey, The insulation is Dow perimeter mate installed on the exterior of the basement walls over the liquid water proofing. All exposed insulation above grade is covered with a cement coating. The rim joist are suppose to be air sealed and batt insulation installed but I am going to relook into spray foam.