Re: romex above commercial
It depends upon where you are located. I know that Chicago doesn't recognize Article 334 so type NM can not be used at all. In Indiana, any building may be wired with type NM as follows from the Indiana Electrical Code:
Sec. 18.
(a) Delete the text of (2) in Section 334.10 and substitute:
(2) In any building or structure not exceed-ing three (3) stories (see Section 362.10 for the definition of STORY).
(a) For exposed work except as prohibited in Section 334.12.
(b) Concealed within walls, floors, and ceilings except as prohibited in Section 334.12.
(b) Delete the text of (3) in Section 334.10 and substitute:
(3) In any building or structure exceeding three (3) stories (see Section 362.10 for the definition of STORY), Type NM, Type NMC, and Type NMS cables shall be concealed within walls, floors, and ceilings that provide a thermal barrier of material that has at least a 15-minute finish rating identified in listings of fire-rated assemblies. The 15-minute-finish-rated thermal barrier shall be permitted to be used for combustible walls, floors, and ceilings, except as prohibited in Section 334.12.
Exception: Where the building is provided with an approved automatic sprinkler system throughout, Type NM, Type NMC, and Type NMS cables are permitted to be used within walls, floors, ceilings, exposed or concealed, in buildings exceeding three (3) stories.
(Fire Prevention and Building Safety Commis-sion; 675 IAC 17-1.6-18; filed Aug 14, 2002, 4:20 p.m.: 26 IR 18)
In other words, check your local laws.