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Dogbert: I'm starting a new business selling clothes to ghosts. My garments are made of the finest ectoplasm. Dilbert: Ghosts don't have money. Dogbert: They don't need money. I'm using a life insurance business model. If you pay me until you die, I will keep your ghost well-dressed for eternity. I also offer reincarnation services. Leave all of your stuff to me when you die and I'll give it back to you when I find the baby that got your soul. Dilbert: You'll be in trouble if your customers realize you're running a scam. Dogbert: If dead people start complaining, we've both got bigger problems than my scams.