The Free Land of Scandinavian Card Vault is a colossal, environmentally stunning nation, renowned for its ban on automobiles and irreverence towards religion. The quiet, industrious population of 8.03 billion Scandinavian Card Vaultians have some civil rights, but not too many, enjoy the freedom to spend their money however they like, to a point, and take part in free and open elections, although not too often.

The medium-sized government juggles the competing demands of Law & Order, Defense, and Administration. The average income tax rate is 19.4%, but much higher for the wealthy.

The Scandinavian Card Vaultian economy, worth 342 trillion Banks a year, is led by the Tourism industry, with major contributions from Trout Farming, Gambling, and Information Technology. State-owned companies are common. Average income is 42,594 Banks, and evenly distributed, with the richest citizens earning only 2.8 times as much as the poorest.

Organ donation rates have hit a new low, TV shows must meet strict ethnicity quotas, cars are banned, and citizens select which government department gets their income tax Banks each year. Crime is relatively low, thanks to a capable police force and progressive social policies in education and welfare. Scandinavian Card Vault's national animal is the Trading Card, which frolics freely in the nation's many lush forests.

Scandinavian Card Vault is ranked 176,711^th in the world and 30^th in Scandinavia for Largest Insurance Industry, scoring 356.26 on the Risk Expulsion Effectiveness Rating.