Moo! The Musings of a Plaid Cow

With all of the computer technology today, I do not understand why the insurance policy I just got in the mail is made up of a main policy and then a number of endorsements. Since these endorsements are effectively just point out the differences between what was and what is, why not apply them to the main document and send me a single policy document? It would have to be heck of a lot shorter that is and a great deal easier to understand.