11.   The basement ceiling is insulated.

12.   The ceiling is insulated, but the hot air ducts, both delivery and return, are exposed on the ceiling in the garage.

13.   The ceramic tile will not be cold if you insulate the crawl space ceiling under it.

14.   This is wrong, but if you do it this way, or find your basement ceiling insulated this way, it may be OK.

15.   Would insulating the ceiling of the crawl space expose the water pipes and heater to freezing?