When my contract states "28 days including bank holidays" does that mean my actual number of holidays is closer to 20, or does it mean I can take 28 days as well as bank holidays? I'm in the UK.

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It means you get to choose 28 minus (number of bank holidays) “holidays.” This is what has always confused me about why the English call vacation “holiday.” It’s not a holiday just because you’re deciding you don’t want to work that day.

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You’ll have around 20 days off which you can choose the date of

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