isn't paper a huge fire hazzard?
Usually they use fiber glass here in Ireland although it's not all that cold, double glazing is quite optional and you'd survive with very minimal insulation as long as there are cavity walls.
Attic / Roof insolation is still a bit of a new fangled thing. Houses pre-1960/70s (later as you move towards the south coast where frost is extremely rare and palm trees even grow [not kidding!]) were all retrofitted with fiber glass
Temp here is like 5-10C all winter, 10-15 C autumn and spring and up to about 26 C in summer (30 is RARE but happens) (south coast of ireland)
