The State of Elfrard is a titanic, genial nation, ruled by Harbormaster Saetrea with a fair hand, and remarkable for its pith helmet sales, daily referendums, and digital currency. The compassionate, democratic, cheerful, devout population of 11.507 billion Elfrardians are free to do what they want with their own bodies, and vote for whomever they like in elections; if they go into business, however, they are regulated to within an inch of their lives.

The large, corrupt, liberal government juggles the competing demands of Education, Administration, and Healthcare. It meets to discuss matters of state in the capital city of Tiamat. The average income tax rate is 96.4%.

The frighteningly efficient Elfrardian economy, worth a remarkable 2,152 trillion Credits a year, is quite specialized and led by the Information Technology industry, with major contributions from Tourism, Book Publishing, and Arms Manufacturing. State-owned companies are reasonably common. Average income is an impressive 187,019 Credits, and distributed extremely evenly, with practically no difference between the richest and poorest citizens.

Foreigners must sell an arm and a leg to afford surgery in Elfrard, government ministers are regularly seen in the streets confessing their sins and hammering missiles into plow-shares, 'I'm Coming Out' has shot to the top of the nation's music charts, and most of the nation's wealthy aristocrats are dentists. Crime is totally unknown, thanks to a capable police force and progressive social policies in education and welfare. Elfrard's national animal is the Elkaan, which is also the nation's favorite main course, and its national religion is Shorism.

Elfrard is ranked 299,589^th in the world and 190^th in Forest for Largest Insurance Industry, scoring -8.83 on the Risk Expulsion Effectiveness Rating.