Also forgot to mention this:
If you have the money, go with ICF - Insulated Concrete Forms. It's a rare thing but I can tell you it works miracles. Before I came to Alberta I worked for some guys back home in NS who did this as the basement for a client and the insulation it provides is unbelievable. It was actually a bungalow and the main floor was wood framed. We did it in the summer and you could feel the cold air as you walked down the stairs into the basement.
ICF completely eliminates the need for air conditioning in the summer, and would reduce your heating bill to a fraction of what it would be with wood framing. This stuff is all about energy efficiency, has superior sound proofing and the fire rating is off the chart in comparison to wood framed houses.
You can google for more info and you can start here:
http://www.logixicf.com/client/Logix...ges/index.html