> The biggest differences besides the different banknotes is that exchange rate risk has been eliminated, interest rates have gone down and Croatia's credit rat

> The biggest differences besides the different banknotes is that exchange rate risk has been eliminated, interest rates have gone down and Croatia's credit rating has gone up. I'm not suggesting for one minute that Croatia now is in the same state as Greece was 20 years ago. but improved credit rating based on the idea that the currency is effectively backed by the German and French economy, was one of the reasons for the debt crisis. German and French banks loaned them money that they shouldn't have, knowing that they would get bailed out. Good luck to them though. It seems to have a similar population size to Scotland, so is interesting in terms of the independence debate in the UK.