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“Twas the day after Christmas… Bob Cratchit, independent agent, arrives a bit late at the Tiny Tim Agency, having made merry the day before with his family and friends. To his surprise, he notices through the window the familiar form of Ebeneezer Scrooge, vice president of market performance for Dickens Insurance Group, a major international carrier. The carrier’s slogan, “When at risk, give oem the Dickens!’ was reported to have made Dickens one of the most recognized brand names in the world.


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