So, normally we have a lot of older homes with unfinished basement. Usually there isn't any insulation on these foundation walls. But from time to time we have a newer home with 2" rigid on the exterior. They are sold and a couple years later the homeowner wants to finish out the basement. I guess my question becomes, do we insulate the interior walls against the already insulated foundation walls? Most times the homeowner and contractor provide details that show more insulation being added as R-13 batt in the stud spaces. But if they don't do this, wont that change the location where the freezing point is located in the overall wall system? The inside foundation wall will actually be colder due to closing up the space, right?