Could you elaborate on this comment? Seems like the person before you went to a mostly black school/college and so has experienced being part of a segregated society/community. Are there areas that are less segregated or not at all? For context I am from the UK, where we have some integration but still quite high levels of segregation; I live in the southeast, in an area which is over 95pc white British, but there are other areas with much higher populations of other races/nationalities (Bradford, in the north midlands, is around 25pc Pakistani, and only a little over 50pc white British).

Did you/do you live in an area that isn’t or doesn’t feel segregated?

No idea.

It’s a lovely name! What I really want to know is, is it still pronounced like “Croatia”? In my mind you could kind of do it like “Hro-vaisha” maybe? Maybe someone who knows tha answer will show up!

Not sure if you mean per year but mortgages are generally going to be over much longer time periods. A couple who I know are looking to buy somewhere new and are looking at getting £400k mortgage or thereabouts. With rates as they are now, and over 25 years, they’ll end up paying back £900k!