There is much overhead in having a polar bear trade on my behalf.
His office is a large, well-appointed walk-in freezer. His computer has special heaters on it to prevent it from freezing. It also has polar-bear-growl-and-snarl recognition software to convert his commands into Schwab StreetSmart Pro button clicks. The penguins on which he dines get expensive, too, especially now that we're back in Las Vegas for the "winter".