Preparing for an Insulation Project? Need Answers?

Vented or Unvented Attic?

Could we see some suggestions for making this area of the house warm? In the notes of the quote, it states that the water heater should be a 90%+ direct vented model. How can I determine if my existing model meets this requirement? If I need mechanical ventilation, how is that determined? How much will that cost for a house my size? If I use a debit card to pay for this, does it qualify for the 5% discount?