user: What is the largest animal in the world

assistant: Blue Whale

user: Give me a list of certain insurances that I should take when moving to Germany.

assistant: 1. Health Insurance (Krankenversicherung): It is mandatory to register to in Germany. Many people prefer Public but you can also enroll for private insurance.
2. Private Liability Insurance (Haftpflichtversicherung): For accidental damage coverages. Although optional but highly recommended by residents.
3. Legal Protection Insurance (Rechtsschutzversicherung): This is totally optional but might come handy to deal and send notices for legal or public disorder cases e.g. problems with landlord, etc.
4. Household Insurance (Hausratversicherung): This is another good to have insurance to cover the damages related to house specially for rented homes.

user: From the following passage, which taxes/acts led to the American Revolution?

assistant: <think>
1764–1766: Taxes imposed and withdrawn
Main articles: Sugar Act, Currency Act, Quartering Acts, Stamp Act 1765, and Declaratory Act
Further information: No taxation without representation and Virtual representation

Notice of the Stamp Act 1765 in a colonial newspaper
In 1764 Parliament passed the Sugar Act, decreasing the existing customs duties on sugar and molasses but providing stricter measures of enforcement and collection. That same year, Prime Minister George Grenville proposed direct taxes on the colonies to raise revenue, but he delayed action to see whether the colonies would propose some way to raise the revenue themselves.

Grenville had asserted in 1762 that the whole revenue of the custom houses in America amounted to one or two thousand pounds sterling a year, and that the English exchequer was paying between seven and eight thousand pounds a year to collect. Adam Smith wrote in The Wealth of Nations that Parliament "has never hitherto demanded of [the American colonies] anything which even approached to a just proportion to what was paid by their fellow subjects at home." Benjamin Franklin would later testify in Parliament in 1766 to the contrary, reporting that Americans already contributed heavily to the defense of the Empire. He argued that local colonial governments had raised, outfitted, and paid 25,000 soldiers to fight France in just the French and Indian War alone—as many as Britain itself sent—and spent many millions from American treasuries doing so.

Parliament finally passed the Stamp Act in March 1765, which imposed direct taxes on the colonies for the first time. All official documents, newspapers, almanacs, and pamphlets were required to have the stamps—even decks of playing cards. The colonists did not object that the taxes were high; they were actually low. They objected to their lack of representation in the Parliament, which gave them no voice concerning legislation that affected them. The British were, however, reacting to an entirely different issue: at the conclusion of the recent war the Crown had to deal with approximately 1,500 politically well-connected British Army officers. The decision was made to keep them on active duty with full pay, but they—and their commands—also had to be stationed somewhere. Stationing a standing army in Great Britain during peacetime was politically unacceptable, so they determined to station them in America and have the Americans pay them through the new tax. The soldiers had no military mission however; they were not there to defend the colonies because there was no current threat to the colonies.

The Sons of Liberty formed shortly after the Act in 1765, and they used public demonstrations, boycotts, and threats of violence to ensure that the British tax laws were unenforceable. In Boston, the Sons of Liberty burned the records of the vice admiralty court and looted the home of chief justice Thomas Hutchinson. Several legislatures called for united action, and nine colonies sent delegates to the Stamp Act Congress in New York City in October. Moderates led by John Dickinson drew up a Declaration of Rights and Grievances stating that taxes passed without representation violated their rights as Englishmen, and colonists emphasized their determination by boycotting imports of British merchandise.

The Parliament at Westminster saw itself as the supreme lawmaking authority throughout the Empire and thus entitled to levy any tax without colonial approval or even consultation. They argued that the colonies were legally British corporations subordinate to the British Parliament, and they pointed to numerous instances where Parliament had made laws in the past that were binding on the colonies. Parliament insisted that the colonists effectively enjoyed a "virtual representation", as most British people did, since only a small minority of the British population elected representatives to Parliament. However, Americans such as James Otis maintained that there was no one in Parliament responsible specifically for any colonial constituency, so they were not "virtually represented" by anyone in Parliament at all.

The Rockingham government came to power in July 1765, and Parliament debated whether to repeal the stamp tax or to send an army to enforce it. Benjamin Franklin made the case for repeal, explaining that the colonies had spent heavily in manpower, money, and blood defending the empire in a series of wars against the French and indigenous people, and that further taxes to pay for those wars were unjust and might bring about a rebellion. Parliament agreed and repealed the tax on February 21, 1766, but they insisted in the Declaratory Act of March 1766 that they retained full power to make laws for the colonies "in all cases whatsoever". The repeal nonetheless caused widespread celebrations in the colonies.

1767–1773: Townshend Acts and the Tea Act
Main articles: Townshend Acts and Tea Act
Further information: Crisis of 1772, Massachusetts Circular Letter, Boston Massacre, and Boston Tea Party

Letter III of John Dickinson's Letters from a Farmer in Pennsylvania, published in the Pennsylvania Chronicle, December 1767
In 1767, the Parliament passed the Townshend Acts which placed duties on a number of staple goods, including paper, glass, and tea, and established a Board of Customs in Boston to more rigorously execute trade regulations. The new taxes were enacted on the belief that Americans only objected to internal taxes and not to external taxes such as custom duties. However, in his widely read pamphlet, Letters from a Farmer in Pennsylvania, John Dickinson argued against the constitutionality of the acts because their purpose was to raise revenue and not to regulate trade. Colonists responded to the taxes by organizing new boycotts of British goods. These boycotts were less effective, however, as the goods taxed by the Townshend Acts were widely used.

In February 1768, the Assembly of Massachusetts Bay issued a circular letter to the other colonies urging them to coordinate resistance. The governor dissolved the assembly when it refused to rescind the letter. Meanwhile, a riot broke out in Boston in June 1768 over the seizure of the sloop Liberty, owned by John Hancock, for alleged smuggling. Customs officials were forced to flee, prompting the British to deploy troops to Boston. A Boston town meeting declared that no obedience was due to parliamentary laws and called for the convening of a convention. A convention assembled but only issued a mild protest before dissolving itself. In January 1769, Parliament responded to the unrest by reactivating the Treason Act 1543 which called for subjects outside the realm to face trials for treason in England. The governor of Massachusetts was instructed to collect evidence of said treason, and the threat caused widespread outrage, though it was not carried out.

On March 5, 1770, a large crowd gathered around a group of British soldiers on a Boston street. The crowd grew threatening, throwing snowballs, rocks, and debris at them. One soldier was clubbed and fell. There was no order to fire, but the soldiers panicked and fired into the crowd. They hit 11 people; three civilians died of wounds at the scene of the shooting, and two died shortly after the incident. The event quickly came to be called the Boston Massacre. The soldiers were tried and acquitted (defended by John Adams), but the widespread descriptions soon began to turn colonial sentiment against the British. This accelerated the downward spiral in the relationship between Britain and the Province of Massachusetts.

A new ministry under Lord North came to power in 1770, and Parliament withdrew all taxes except the tax on tea, giving up its efforts to raise revenue while maintaining the right to tax. This temporarily resolved the crisis, and the boycott of British goods largely ceased, with only the more radical patriots such as Samuel Adams continuing to agitate.[citation needed]


On June 9, 1772, the Sons of Liberty burned HMS Gaspee, a British customs schooner in Narragansett Bay.
In June 1772, American patriots, including John Brown, burned a British warship that had been vigorously enforcing unpopular trade regulations, in what became known as the Gaspee Affair. The affair was investigated for possible treason, but no action was taken.

In 1772, it became known that the Crown intended to pay fixed salaries to the governors and judges in Massachusetts, which had been paid by local authorities. This would reduce the influence of colonial representatives over their government. Samuel Adams in Boston set about creating new Committees of Correspondence, which linked Patriots in all 13 colonies and eventually provided the framework for a rebel government. Virginia, the largest colony, set up its Committee of Correspondence in early 1773, on which Patrick Henry and Thomas Jefferson served.

A total of about 7,000 to 8,000 Patriots served on Committees of Correspondence at the colonial and local levels, comprising most of the leadership in their communities. Loyalists were excluded. The committees became the leaders of the American resistance to British actions, and later largely determined the war effort at the state and local level. When the First Continental Congress decided to boycott British products, the colonial and local Committees took charge, examining merchant records and publishing the names of merchants who attempted to defy the boycott by importing British goods.

In 1773, private letters were published in which Massachusetts Governor Thomas Hutchinson claimed that the colonists could not enjoy all English liberties, and in which Lieutenant Governor Andrew Oliver called for the direct payment of colonial officials. The letters' contents were used as evidence of a systematic plot against American rights, and discredited Hutchinson in the eyes of the people; the colonial Assembly petitioned for his recall. Benjamin Franklin, postmaster general for the colonies, acknowledged that he leaked the letters, which led to him being berated by British officials and removed from his position.


The December 16, 1773 Boston Tea Party, led by Samuel Adams and Sons of Liberty, has become a mainstay of American patriotic lore.
Meanwhile, Parliament passed the Tea Act lowering the price of taxed tea exported to the colonies, to help the British East India Company undersell smuggled untaxed Dutch tea. Special consignees were appointed to sell the tea to bypass colonial merchants. The act was opposed by those who resisted the taxes and also by smugglers who stood to lose business.[citation needed] In most instances, the consignees were forced by the Americans to resign and the tea was turned back, but Massachusetts governor Hutchinson refused to allow Boston merchants to give in to pressure. A town meeting in Boston determined that the tea would not be landed, and ignored a demand from the governor to disperse. On December 16, 1773, a group of men, led by Samuel Adams and dressed to evoke the appearance of indigenous people, boarded the ships of the East India Company and dumped £10,000 worth of tea from their holds (approximately £636,000 in 2008) into Boston Harbor. Decades later, this event became known as the Boston Tea Party and remains a significant part of American patriotic lore.

1774–1775: Intolerable Acts
Main article: Intolerable Acts
Further information: Quebec Act and Continental Association

A 1774 etching from The London Magazine depicts Prime Minister Lord North, author of the Boston Port Act, forcing the Intolerable Acts down the throat of America, whose arms are restrained by Lord Chief Justice Mansfield, and a tattered "Boston Petition" lays trampled on the ground beside her. Lord Sandwich pins down her feet and peers up her robes; behind them, Mother Britannia weeps while France and Spain look on.
The British government responded by passing several measures that came to be known as the Intolerable Acts, further darkening colonial opinion towards England. They consisted of four laws enacted by the British parliament. The first was the Massachusetts Government Act which altered the Massachusetts charter and restricted town meetings. The second act was the Administration of Justice Act which ordered that all British soldiers to be tried were to be arraigned in Britain, not in the colonies. The third Act was the Boston Port Act, which closed the port of Boston until the British had been compensated for the tea lost in the Boston Tea Party. The fourth Act was the Quartering Act of 1774, which allowed royal governors to house British troops in the homes of citizens without requiring permission of the owner.

In response, Massachusetts patriots issued the Suffolk Resolves and formed an alternative shadow government known as the Provincial Congress which began training militia outside British-occupied Boston. In September 1774, the First Continental Congress convened, consisting of representatives from each colony, to serve as a vehicle for deliberation and collective action. During secret debates, conservative Joseph Galloway proposed the creation of a colonial Parliament that would be able to approve or disapprove acts of the British Parliament, but his idea was tabled in a vote of 6 to 5 and was subsequently removed from the record.[citation needed] Congress called for a boycott beginning on December 1, 1774, of all British goods; it was enforced by new local committees authorized by the Congress.</think>
The following Acts passed by the British Parliament led to the American Revolution:
1) The Sugar Act in 1764 provided stricter measures of enforcement and collection for sugar taxes.
2) The Stamp Act in 1765 imposed direct taxes on official documents, newspapers, almanacs, pamphlets, and playing cards.
3) The Declaratory Act in 1766 declared the British Parliament retained full taxation powers for the American Colonies.
4) The Townshend Acts in 1767 added duties to goods like paper, glass, and tea.
5) The Tea Act in 1773 lowered the taxes on tea to benefit the British East India Company.
6) The so-called Intolerable Acts in 1774 consisted of 4 laws that increased Britain's sovereignty over the American Colonies.  These laws include the rights of Britain to restrict town meetings, try British soldiers for crimes committed in the American colonies, close the port of Boston, and require housing of British troops in the homes of citizens.