To give a serious answer: As many as the story requires. The same thing goes for any ethnicity. If neither the story nor the character nor any of their dialog require it, not describing a character by their ethnicity is a valid (albeit somewhat harder) choice. This way, anyone can read and imagine the story with what they are familiar with. Now don't get me wrong, you can absolutely assign every character a full set ranging from emotions and values to physical attributes and ethnicity - but you don't necessarily have to state that "Jade" has dark/light skin. Simply describe the character on a different level. This is complicated, but beautiful if done with cultural identity: Someone from a community of turkish guest workers may have a very pragmatic and hands-on approach at their job but be somewhat hands-off in the household, until they have guests (Chosen from an arbitrary pov, this is not grounded in experience). If you wish to determine what ethnicity a character has, first ask yourself: is it important/does it influence them? If no, try to leave it out maybe? If yes or you absolutely want to know it, rolling dice is a valid option: Check the distribution in the chosen community and simply roll. From what I know many authors base characters, settings and scenes on some kind of real-life example, so naturally one might base the ethnicity on the same example.

Congratulations, they disagree. Have fun paying hospital bills then and pray you never get into an accident.

Hm, are you playing solo, with friends or with randoms?

I see, an enlightened American (or not? I can hardly ever tell tbh). There are two very good models of insurance that I can think of right now:

1. Obligatory, with fees based on income. Esp. health insurance.
2. A situation where you absolutely cannot afford losing the object in question. An individual may never recover, but it is an extremely rare occurence, e.g. your house burns down. The cost spread over many shoulders is insignificant, but it ensures that no one is left with nothing. A third possibility are investment strategies, where an insurance uses the money to future-proof a system or sector - the incentive for good performance is that they have to pay for e.g. flood damaging if they don't build proper dikes. But that can easily be done without insurance, by governance.

I mean, you can find 1-3 on Level 6 which really is a step easier than 7!

Ye, they would probably bow down to vomit. Would be interesting to see how giraffes do it.

If a German footballer made the Nazi-Salute after scoring a goal in Poland and Germany endorsed the movement the footballer is a member of, would you still think so?

More like looking at stuff near to our eyes all the time - e.g. a screen

*Kompaktscheibe

ÄNDERUNG: Ich musste sehr lachen, gute Arbeit.

... I disagree. It is funny due to the contrast in "behaviour" (these are cells, not animals) which is shown via the contrasting images (don't worry, I'm not going to mansplain the term "meme" ). I daresay that if you can easily turn the joke around, it doesn't rely on stereotypes. Since this is the case (make a meme about asymmetric division in oocytogenesis compared to equal division in spermatogenesis) it's simply funny. I suggest more calm.

I'll bite: How is this related to gender?

I didn't see the dog at first and thought you were trying to make some kind of statement.