I live on the gulf coast where humidity is high in the summer and I probably spend more time cooling my house during the year than heating it.

I had an insulator give me a quote on cellulose insulation in the attic and he recommended building a U shaped box for the AC duct and burying the duct in the insulation for extra insulation of the duct. When I got a quote on the AC, the AC guys said that it was a no no and the duct should run above the insulation. Who is right?