To an outsider it seems like a simple operation. Not to mention astonishing. Do no advertising. Orders flood in from around the globe. Be loved by everyone. And work just one month out of the year.
But the truth is that Santa Claus's operation is much more complicated and not always so jolly. The amount of things that can, and do, go wrong is legion. Few know this but the bearded one has an insurance program as complex as that of a drug manufacturer.
It wasn't always this way. "Why on Earth would I need insurance?" Santa would say to the insurance agents constantly making pitches to him while their kids were bouncing on his lap. "Insurance? Who would sue Santa Clause?" he would ask incredulously while letting out a big belly laugh.
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