user: What is a Goldendoodle?

assistant: <think>
The Goldendoodle is a designer dog created by crossbreeding a Golden Retriever and a Poodle. First widely bred in the 1990s, they are bred in three different sizes—each corresponding to the size of Poodle used as a parent.

Goldendoodles often demonstrate Golden Retrievers' intuitive and human-oriented nature in addition to the intelligent personality and "allergy-friendly" coat of a Poodle.

In the 1990s designer dog breeders in Australia and the United States (Ryan Harvey) started to widely cross Golden Retrievers and Poodles, adopting the term Goldendoodle to describe the cross. The name Doodle is also used to describe this breed. The name Goldendoodle is derived from "Golden" (from Golden Retriever) and "Labradoodle" (itself a portmanteau of Labrador Retriever and a Poodle). Deliberately breeding Poodles with Golden Retrievers actually preceded the 1990s. An example of this was done by Monica Dickens, the great-granddaughter of Charles Dickens, who crossed the two breeds in 1969. The cross can result in a healthier animal than both parent breeds.

The first litter of Mini Goldendoodles was created by Amy Lane of Fox Creek Farm in Berkeley Springs, WV. The litter arrived on 1/11/02 and consisted of 10 puppies.[citation needed] Two of these puppies were retained for future breeding and one of them produced the first litter of F1B Mini Goldendoodles. The term "Goldendoodle" was coined by Amy Lane.[citation needed] Amy Lane also created the first, and to this date, the only kennel club for Goldendoodles called the Goldendoodle Association of North America, Inc. This is a non-profit organization that guides the development of the Goldendoodle and also provides a registration service to document the lineage of Goldendoodles.[citation needed]

The original aim of the Goldendoodle's breeders was to produce an alternative to the popular Labradoodle. Initially Goldendoodles were only bred from standard-sized Poodles, but designer breeders also started using small varieties of Poodles to create a smaller crossbreed. As they are a hybrid cross, they are not recognized by the AKC or British Kennel Clubs. Goldendoodles have been developed beyond the F1 (Golden Retriever crossed with a Poodle) and are now available in deeper generations created by crossing two Goldendoodles. These are called multigenerational or multigen Goldendoodles.</think>
A Goldendoodle is a crossbreed between a poodle and a golden retriever. Goldendoodles are so popular due to them being a hypoallergenic dog. Typically goldendooles have the personality of a Golden retriever and the hair and intelligent personality from a poodle.

user: Based on this text, what average temperature in degree celsius can I expect in April in Germany?

assistant: <think>
From February 2019 – 2020, average monthly temperatures in Germany ranged from a low of 3.3 °C (37.9 °F) in January 2020 to a high of 19.8 °C (67.6 °F) in June 2019. Average monthly precipitation ranged from 30 litres per square metre in February and April 2019 to 125 litres per square metre in February 2020. Average monthly hours of sunshine ranged from 45 in November 2019 to 300 in June 2019.</think>
The average temperature in April in Germany is 13.2 °C.

user: What is underwriting?

assistant: Underwriting (UW) services are provided by some large financial institutions, such as banks, insurance companies and investment houses, whereby they guarantee payment in case of damage or financial loss and accept the financial risk for liability arising from such guarantee. An underwriting arrangement may be created in a number of situations including insurance, issues of security in a public offering, and bank lending, among others. The person or institution that agrees to sell a minimum number of securities of the company for commission is called the underwriter.

The term "underwriting" derives from the Lloyd's of London insurance market. Financial backers (or risk takers), who would accept some of the risk on a given venture (historically a sea voyage with associated risks of shipwreck) in exchange for a premium, would literally write their names under the risk information that was written on a Lloyd's slip created for this purpose.