Adobe house, near Taos, NM. Adobe is inbetween being an insulator and a mass. So good for doing both jobs, but not great at doing just one of them. Coupled with other insulation and stone floors it can be appropriate for this dry and sunny climate. It seems that the rich and the poor are building with it, but the middle is building mostly with cement. Interesting. . . .

Here's the "new" adobe construction in Santa Fe, but really could be anywhere around the southwest.