text: Alan: guys, you're Americans, could you tell me how much should I tip in NYC, I'm always confused
  Peter: I'm British :P
  Alan: Once sb told me it's about 10%
  Alan: that it's decent
  Josephine: No, I'd say at least 15%
  Melissa: In NYC I always give at least 20%
  Jay: me too
  Alan: What? That's a lot!
  Melissa: I know, but there are good reasons for that
  Melissa: waiters get paid very badly in NYC
  Jay: if they get paid at all
  Melissa: exactly
  Alan: what?
  Melissa: it's said that nowadays a lot of business owners don't pay waiters because they assume they would get tips
  Jay: and of course they don't have health insurance and so on, very often
  Jay: so conditions of this work are very bad generally
  Alan: So we basically chip in their salary?
  Jay: yes, it seems so
  Melissa: I believe in most of cases it's true
target: Alan isn't sure if a 10% tip is enough in NY. Josephine usually tips minimum 15%, Jay and Melissa more than 20%. Many NY waiters don't get regular wages or don't have health insurance so they have to rely on tips as only income.