The Jevons paradox occurs when technological progress or government policy increases the efficiency with which a resource is used, but the rate of consumption of that resource rises due to increasing demand.
This changed the way cities are because cities are usually built to accommodate highways and roads. Built in and around highways have changed the main structure of present-day cities.
I would believe that the credit report doesn't include race or ethnicity
In 1989, Japan's Hideaki Tomoyori recited 40,000 digits. The current Guinness World Record is held by Lu Chao of China, who, in 2005, recited 67,890 digits of pi.