1) That’s reason to be a German citizen so you don’t have to buy so much of a car to cover. It would also lend itself to buying more of a car compared to Eastern Europe.
2) Utah Valley call center handling of ethnicity thinks everyone deserve some more liabilities on top of religion. It’s another reason why your bad for business.(1)
3) It isn’t a liability, it’s just Germans.
(1) Per to Romney and Huntsman claims that LDS membership is a political liability to them: Many of us take their word for it.