I forgot to mention our third option- foam block forms: also like cinder blocks, but made of foam, so after you stack them and fill them with cement and rebar, the foam acts as additional insulation. Apparantly this has really caught on on the East coast. I saw this being used for a new house in a very pricey neighborhood here.
I`ve seen that in pics from the east coast too...if you have a builder with experience in doing it ,its ok, but dont pay for someone to get experience and get his knowledge on YOUR house!
