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I'll agree with Niko,you'll still will be screwed.
The footer should be PT and when you hang the rock make a couple of half inch shims put these on the floor,then rest the rock on it you'll be half inch off the floor and give you a little bit of grace.
Owen Corning puts out this insulation called Mira flex it's soft to the touch and doesn't cause irritation,it's pricey this type might not make a difference if it gets wet,I dunno thou.you might want to ask around.
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