The Confederacy of Phobi is a titanic, cultured nation, ruled by Deimos with an even hand, and notable for its museums and concert halls, infamous sell-swords, and national health service. The hard-nosed, hard-working, humorless population of 23.657 billion Phobians 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 large, corrupt government juggles the competing demands of Education, Defense, and Industry. It meets to discuss matters of state in the capital city of Murk. The average income tax rate is 97.6%.

The frighteningly efficient Phobian economy, worth a remarkable 5,733 trillion Schustaffels a year, is broadly diversified and led by the Information Technology industry, with major contributions from Tourism, Arms Manufacturing, and Book Publishing. State-owned companies are common. Average income is an amazing 242,379 Schustaffels, and distributed extremely evenly, with little difference between the richest and poorest citizens.

Entomologists flock to Murk for its remarkable gadfly population, parents are really careful to pick the right gun for their kids' birthdays, the people's love for Deimos is little more than self-preservation, and the nation's beloved 'good-natured doormat' is inundated by begging letters. Crime, especially youth-related, is totally unknown, thanks to a well-funded police force and progressive social policies in education and welfare. Phobi's national animal is the Infidel, which frolics freely in the nation's many lush forests.

Phobi is ranked 86,909^th in the world and 4,867^th in Osiris for Largest Insurance Industry, scoring 2,691.56 on the Risk Expulsion Effectiveness Rating.