Bermuda is a British overseas territory consisting of a group of islands in the North Atlantic Ocean, east of South Carolina (US). With a total area of approximately 53 sq km and 103 km of coastline, Bermuda’s terrain is characterised by low hills separated by fertile depressions. The country is divided into 9 parishes (Devonshire, Hamilton, Paget, Pembroke, Saint George's, Sandys, Smith's, Southampton and Warwick) and two municipalities (Hamilton and Saint George). Hamilton is the capital, with a time difference of 4 hours behind that of GMT. The currency is the Bermudian dollar, and economic activity includes insurance, re-insurance, international finance, tourism and light manufacturing. The population of approximately 68,000 people comprises an ethnic makeup that is 54.8% black and 34.1% white. The primary languages are English and Portuguese, and the predominant religion is Christianity.