Banks and Insurance 94
1. Money and methods of payment 94
2. Statutory social insurance 96
3. Property and personal insurance 105
XI. Shopping and Consumer Protection 106
1. Shopping and paying 106
2. Warranty and guarantee 108
3. “ Door-to-door selling” and contracts concluded by letter, fax, e-mail or on the Internet 109
XII. Associations and Organisations 112
1. A ssociations and clubs 112
2. Migrant organisations 114
XIII. Life in Germany 116
1. The political and legal system 116
2. P olitical involvement and political parties 119
3. Integration councils and advisory boards 120
4. Religion 121