Today, January 6, is a normal business day in Berlin and Saarbrücken, so I called my health insurer with a question. They gave me a direct number to call in München. Seems straightforward enough, right? BUT NO! You’re in Germany and holidays pop up like mushrooms after the rain. In Bayern (Bavaria), where München is, and Baden-Würtenberg, where Stuttgart is, Jan. 6, the last day of Christmas or Heilige Drei Könige, is a public holiday and woe to you if you run out of food! They are the only states in Germany wheretis is the case, . Schools, businesses and most stores are closed, and transsportation may be on a Sunday schedule.I was often caught off guard but nowadays your calendars can be a big help and www.schulferien.org is a useful resource, even if it takes a little figuring out.