My understanding is that many modern houses have the insulation positioned in the inside, IE in the cavity, thermalite internal walls, loft insulation at ceiling level etc. The result is that such houses can be extremely well insulated with very little heat loss, however they also have very little in the way of dense material on the warm side that can act as a thermal store. That means if you turn the heat off, the house whilst well insulated will cool down fairly quickly. I believe there is now a school of thought that considers there should be an increased amount of material that can act as a thermal store. I believe one type of house is better for people out working during the day and one type is better for people at home most of the day. Dont ask me which, Im confused!