Cultural????

We'll we have been in Tasmania for almost three months. It is mid June. I guess that is the equivalent of mid November in Northern hemisphere. It is freezing out as well as in. Why are the houses sooo cold. There is frost on my car window when I took Judy to school. However I am sure that I felt condensation at the end of my bed this morning. Tasmanian open the doors first thing in the morning to.....warm up their houses. Andrew is a aquantience of ours. He is also a local Tassie builder. He informed us that his new houses all have insulation. Ceiling is 3", Walls are1" and floors are 0. If I recall correctly...Canadian requirements for insulation were min of 20" Slipper and bathrobes are a must.