The Scheme – the best place to hide a needle (Chapter 1)

The best place to hide a needle is in a haystack of needles. From the time my children were old enough to doubt there really was a Santa Claus until the older two were grown, I can only recall one year that none of the three found where I was hiding their Christmas presents - the year I wrapped their gifts and set them under the tree. Frankly, I was surprised they didn’t figure out my scheme; but nowhere near as surprised as I was the OIG couldn’t find the scheme to shift cost to the NFIP â€" much