NEATO

And much like roulette, it becomes a bet on which villains are gonna fuck shit up that year. “Honey, remind me to call up the insurance company and take The Riddler off our policy. He’s been pretty quiet and Halloween’s coming up so I’d like to put Scarecrow back on there.”

Insurance companies used to lump Joker and Harley together because Harley was pretty much just an extension of Joker but after she started breaking away from him they had to discontinue that deal. (Aka the REAL reason people are pissed she’s not with Joker anymore. It’s all about insurance policies.)

If you’d taken out SCARFACE insurance like we suggested…”

“OH FUCK OFF HE DOESN’T WASN’T EVEN LISTED AS AN OPTION HE’S STAR CITY YOU JERKWADS.”

“I’m afraid that the manager wasn’t a straight white man created in the seventies and so the last crisis retconned her away as well, we’re really not sure how to deal with this situation”

“Mr. Freeze uses a freeze gun, sir, it shoots ice and snow onto things.  Captain Cold uses a cold gun, it lowers the target’s temperature to absolute zero.  According to our Central City branch records, it does considerably more damage and carries a higher deductable.”