re: Those with 2 story raise houses

If you want some good info on insulating Google, insulate under home LSU ag. It will bring you to the research pdf they put out. Basically the biggest advantage isn't the heat retention, that's good, but the more pressing issue is condensation. In the summer your home is 70's and under your home can get to 80's and 90's. If your ratio gets too much it creates condensation. It's a good piece and gives the things to look for with different types. I would do either closed foam or a foil backed board.