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The Montana web site claims R38 roof, R21 floor, and R9 walls. Having torn into my Monty, I find it very hard to imagine how they can make those claims with a straight face. I would suggest those numbers are the max you will find in some places. There is also a real problem with air flow and seals. If you spend some time and work on those issues you can improve your situation but it can not match a modern stick built.
My opinion only.
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