In the age of acrylic and fiberglass tubs, there are a large number of "professional bathroom designers" who either do not know this or make up total BS excuses for why they choose to stiff you for an additional $100-$200 on materials costs for the "cast" versions of these steel tubs (because they're easier and faster for unskilled people to install).Here's an out-of-the-box idea on your shower, invest in a European shower bar mixer system where most of the plumbing is outside the wall.

That's presuming too much Comparing US banking to that of any European country or OZ and NZ is comparing apples to oranges.  

Yes, I can tell you about some of my friends who are soloists and principals in major US and European orchestras - they are the .1%.

I am thinking of buying some residential real estate investment property in European Union.

This is w/o the Europeans, Canadians and So Americans.

Chicago is cheaper then most major cities and our cheapest gentrifying areas are seeing the highest price/rent growth currently while our class A “appreciation” areas have actually been pretty flat lately. 

Most Major metros similar to this though. 

Most major carriers have a surplus lines arm to offer them flexibility as admitted companies have to get every change approved by a expensive and slow moving process with the various states Dept of Insurance.

Another observation, there are many Asians that have financial issues, foreign funds, tax complications and difficulty in borrowing, I've had several outstanding larger amount type borrowers in such difficulties, I've had European borrowers as well in similar boats but many more Asians.

Some of it good properties in good areas marketed to Europeans and Canadians.