When one of you serves.
A court can grant the divorce without having power to divide the pension. There is a one-year deadline that quietly destroys survivor benefits. And the 10/10 rule does not mean what almost everyone says it means.
Every answer below is read off a statute, a regulation, or the agency’s own publication, and linked to it. Where the operative words exist we quote them rather than paraphrase, because on this subject the paraphrase is usually what is wrong. Where we could not confirm something, the page says so instead of filling the gap.
The questions, answered
Can a divorce case be put on hold because one spouse is serving, and for how long?Partly confirmed
Yes. The Servicemembers Civil Relief Act covers any civil action or proceeding, including a child custody proceeding, in which the serving person is on either side of the case, is in military service or within 90 days of leaving it, and has been given notice. The court may pause the case on its own. It must pause the case for at least 90 days if the servicemember asks and sends in two things: a letter from the servicemember setting out how current duty makes it materially harder to appear and giving a date when they will be available, and a separate letter from the commanding officer saying that duty prevents the servicemember appearing and that leave is not authorized at that time. Asking for a pause is not the same as entering the case, and it gives up no defense, including the argument that the court has no power over the person. A servicemember can ask for a further pause after the first one. If the court refuses the further pause, the court must appoint a lawyer to represent the servicemember. A pause is a delay, not a cancellation.
Read from the United States Code on govinfo.gov, 2024 edition. The 2023 and 2024 editions of this section are word for word identical, so nothing changed between them. Note the last sentence of the section: a servicemember who asks for a pause under this section and is turned down may not then use the separate default judgment protections.
What protects a serving spouse who never answers the divorce papers and never shows up?Partly confirmed
Before a court can enter judgment against someone who has not appeared, the person who filed must give the court a sworn statement saying whether the absent person is in military service and showing the facts behind that, or saying that they could not find out. Knowingly filing a false statement is a crime punishable by a fine or up to a year in prison. If it looks as though the absent person is serving, the court may not enter judgment until it has appointed a lawyer for them. Where military status cannot be worked out, the court may require the filing party to post a bond to cover any loss if the judgment is later set aside. In a case covered by this section where the defendant is serving, the court must grant a pause of at least 90 days on the application of counsel or on its own motion, where there may be a defense that cannot be presented without the defendant, or where counsel has not been able to reach the defendant after due diligence. If a default judgment was entered while the person was serving, or within 60 days after they left service, the court must reopen it on their application where military service materially affected their ability to defend and they have a meritorious or legal defense. That application must be filed no later than 90 days after service ends. A buyer in good faith who acquired something under the default judgment keeps it.
The three sets of dots stand for subsections (b)(3), (b)(4), (e) and (f), which were left out to keep the quotation to the protections asked about. Everything between the dots is transcribed exactly as printed. Subsection (a) makes the section apply to any civil action or proceeding, including any child custody proceeding, in which the defendant does not make an appearance.
Can any court that grants the divorce also divide the military pension?Partly confirmed
No, and this is one of the sharpest traps in military divorce. A court can have every power it needs to end the marriage and still have no power to divide military retired pay. Federal law lets a court treat disposable retired pay as marital or community property only if the court has jurisdiction over the serving member on one of three grounds: the member lives in the court's area for a reason other than a military assignment, the member is domiciled in the court's area, or the member consents to the court's jurisdiction. Being stationed in a state does not by itself satisfy the first ground. Consent is a real and separate route, which means a member who takes part in the case in a way that amounts to consent can hand the court a power it would not otherwise have. The same three grounds govern whether the pay center will honor a later out-of-state order that changes an earlier one.
The related paragraph (c)(1) is what gives a court the power in the first place: a court may treat disposable retired pay payable for pay periods beginning after June 25, 1981 either as property solely of the member or as property of the member and the spouse, in accordance with the law of the court's jurisdiction. Subsection (d)(7)(A) then says the Secretary may not accept or comply with an out-of-State modification unless the issuing court has jurisdiction in the manner specified in subsection (c)(4) over both the member and the spouse or former spouse. We are recording what the law says; we are not applying it to anyone's situation.
What exactly is the pot that gets divided, and what comes out of it first?Partly confirmed
Only disposable retired pay can be divided, and disposable retired pay is smaller than gross retired pay. It is the total monthly retired pay the member is entitled to, less four kinds of amount: money owed back to the United States for earlier overpayments of retired pay and for recoupments required by law, amounts taken out because a court-martial ordered forfeiture or because the law required a waiver of retired pay in order to receive compensation under title 5 or title 38 (this is where VA disability comes in), for a member retired for disability under chapter 61 the part of the pay attributable to the disability percentage at retirement, and the premium deducted to provide a survivor annuity to a spouse or former spouse who is receiving a share of the retired pay under a court order. There is also a frozen benefit rule for divorces that become final before the member retires: in those cases the total monthly retired pay used in the calculation is the retired pay the member would have been entitled to using the retired pay base and years of service on the date of the decree, increased by cost of living adjustments. In plain terms, for a couple who divorce before retirement, the share is fixed to the member's rank and service at the date of the decree, not at the date of retirement.
The words "as computer under chapter 1223" in clause (ii) are printed that way in the United States Code. It appears to be a typographical error for "as computed", but we have transcribed it as printed rather than correct it. One more related rule sits at subsection (d)(8): a division of property award computed as a percentage of disposable retired pay is increased by the same percentage as any cost-of-living adjustment made under section 1401a after the member retires.
What is the 10/10 rule and what does it actually decide?Partly confirmed
The 10/10 rule decides one thing only: whether the military pay center will send a former spouse their share of a property division directly, rather than the former spouse having to collect it from the retiree. If the marriage did not overlap at least 10 years of the member's retirement-creditable service, the pay center may not make direct payments of the property division share. It does not decide whether a court may divide the pension at all. A court with the jurisdiction described in the law may divide military retired pay as property in a marriage shorter than that; what changes is only who has to hand the money over each month. The rule also does not apply to child support or alimony: those can be paid directly regardless of the length of the marriage.
Read the limit carefully. It bars payment by the Secretary only "to the extent that they include an amount resulting from the treatment by the court under subsection (c) of disposable retired pay … as property". Subsection (d)(1) separately authorizes direct payment of child support and alimony, and that authority is not conditioned on the ten year overlap. The power of a court to divide is in subsection (c), which contains no ten year requirement of any kind.
How much can the pay center send a former spouse directly, and what happens with more than one order?Partly confirmed
Across all court orders that divide retired pay as property, the pay center may not pay out more than 50 percent of disposable retired pay. Where more than one order is served, covering a spouse and one or more former spouses or several former spouses, the orders are satisfied first come, first served out of whatever is left under the 50 percent cap after earlier orders are met. There is a second and higher ceiling that applies when a property division order and a support garnishment under the Social Security Act are both running against the same person: the combined total may not exceed 65 percent of the retired pay treated as remuneration for employment. If an order asks for more than the cap allows, that alone does not make the order irregular on its face, but the pay center treats the order as fully satisfied by paying the maximum permitted. Hitting the cap does not wipe out what the member still owes. Any unsatisfied obligation may be enforced by other means available under law.
The dots stand for paragraph (3), which sets out what the pay center does when two orders conflict about the amount owed to the same person: it pays the least amount any conflicting order directs, holds back the difference, and releases the held amount once it receives an order certified by both the member and the former spouse as valid and applicable to the retained amount.
What happens to a former spouse's share when the retiree takes VA disability pay?Partly confirmed
VA disability compensation is not divisible, and the way a retiree receives it can shrink what is divisible. A retiree who wants VA disability compensation must in many cases waive an equal amount of retired pay. Federal law then takes that waived amount out of disposable retired pay: the definition subtracts amounts deducted as a result of a waiver of retired pay required by law in order to receive compensation under title 5 or title 38. A percentage share of a smaller pot is a smaller check, and the change can come years after the divorce. In 2017 the Supreme Court held unanimously that a state court may not get around this by ordering the veteran to make the former spouse whole. The Court did leave family courts free to take account of the possibility of a waiver when calculating an award in the first place, and free to take account of a drop in value when calculating or recalculating the need for spousal support.
Quoted from the slip opinion on supremecourt.gov. The exclusion itself is at 10 U.S.C. 1408(a)(4)(A)(ii), which subtracts amounts "deducted from the retired pay of such member as a result of forfeitures of retired pay ordered by a court-martial or as a result of a waiver of retired pay required by law in order to receive compensation under title 5 or title 38". The Howell opinion cites this provision as section 1408(a)(4)(B) because that was its paragraph letter before Congress renumbered the definition; the words are the same and they now sit at (a)(4)(A)(ii). The Court also wrote, in the syllabus, that "Family courts remain free to take account of the contingency that some military retirement pay might be waived or take account of reductions in value when calculating or recalculating the need for spousal support." A note on the syllabus: the Supreme Court states that a syllabus "constitutes no part of the opinion of the Court but has been prepared by the Reporter of Decisions for the convenience of the reader." The same holding appears in the opinion itself.
How does a former spouse actually secure the Survivor Benefit Plan, and what is the deadline?Partly confirmed
A court order or a written agreement can require a member to elect Survivor Benefit Plan coverage for a former spouse. But an order alone does not create coverage. Someone has to file the election with the military department, and if the member does not, the former spouse can ask for the election to be treated as made. That request is called a deemed election, and it has a hard deadline: the Secretary concerned must receive the former spouse's written request within one year of the date of the court order or filing involved. Miss it, and the law says an election may not be deemed to have been made. The former spouse must send the written request plus either a copy of the court order, regular on its face, that requires the election or approves the agreement, or a statement from the clerk of the court that the agreement has been filed. Separately, a member who is already in the plan and elects former spouse coverage has their own one year deadline, running from the date of the decree. This is the deadline that quietly destroys awards, because the decree looks like it did the job.
The member's own deadline is at 10 U.S.C. 1448(b)(3)(A)(iii), which reads: "Manner and time of election.—Any such election must be written, signed by the person making the election, and received by the Secretary concerned within one year after the date of the decree of divorce, dissolution, or annulment." That text is at https://www.govinfo.gov/content/pkg/USCODE-2024-title10/html/USCODE-2024-title10-subtitleA-partII-chap73-subchapII-sec1448.htm . Note also 10 U.S.C. 1450(f)(2), which stops a member who made a former spouse election under a court order or agreement from changing it unless a later court order permits the change, or the former spouse signs a statement agreeing to it.
Who keeps military health care after divorce under the 20/20/20 rule, and for how long?Partly confirmed
An unremarried former spouse keeps dependent status for military health care if, on the date of the final decree of divorce, dissolution or annulment, the marriage had lasted at least 20 years, the member performed at least 20 years of retirement-creditable service, and those 20 years of marriage overlapped those 20 years of service. The former spouse must also not have medical cover under an employer-sponsored health plan. Where those conditions are met, the regulation says eligibility continues indefinitely. It is not time limited. It can be lost, though: remarriage ends it permanently even if the new marriage itself ends, and taking employer-sponsored health cover ends it for as long as that cover is in place. The regulation adds further conditions, including that the person must not be eligible for Medicare Part A except in the situations the regulation names, and must not be the dependent of a NATO member.
The regulation putting this into practice is 32 CFR 199.3(b)(2)(i), read from the current eCFR text at https://www.ecfr.gov/current/title-32/subtitle-A/chapter-I/subchapter-M/part-199/section-199.3 . It requires the former spouse to be unremarried, not covered by an employer-sponsored health plan, married to a member who performed at least 20 years of creditable service, not eligible for Medicare Part A except as the regulation provides, and not the dependent of a NATO member, and then adds: "The former spouse must have been married to the same member or former member for at least 20 years, at least 20 of which were creditable in determining the member's or former member's eligibility for retired or retainer pay. Eligibility continues indefinitely unless affected by any of the conditions of paragraphs (b)(2)(i)(A) through (b)(2)(i)(E) of this section." TRICARE's own page states plainly: "20: All 20 years of marriage overlap the 20 years of creditable (active or reserve) service that counted toward your sponsor's retirement."
What does the 20/20/15 rule give, and for how long?Partly confirmed
The 20/20/15 rule covers a marriage of at least 20 years to a member with at least 20 years of retirement-creditable service where only 15 or more, but fewer than 20, of the married years overlapped that service. For divorces final before 1 April 1985 the statute treats that former spouse as a dependent on the same open-ended basis as the 20/20/20 group. For divorces final on or after 1 April 1985 the statute says the person stops being a dependent at the end of the one year period beginning on the date of the final decree. The regulation is more precise still about the middle period: where the decree is on or after 1 April 1985 but before 29 September 1988, eligibility ran from the decree until 31 December 1988 or for two years from the decree, whichever is later. For every decree on or after 29 September 1988, which is nearly every divorce a reader will be facing today, the cover lasts 365 days, or 366 in a leap year, from the date of the divorce or annulment. After that it is gone, and the person needs to arrange their own cover.
The regulation, 32 CFR 199.3(b)(2)(i)(F)(2), sets out the same rule in dated bands, and this is the current eCFR text at https://www.ecfr.gov/current/title-32/subtitle-A/chapter-I/subchapter-M/part-199/section-199.3 : "(ii) If the date of the final decree of divorce, dissolution or annulment is on or after April 1, 1985, but before September 29, 1988, the former spouse is eligible only for care received from the date of the decree of divorce, dissolution, or annulment until December 31, 1988, or for two years from the date of the divorce, dissolution, or annulment, whichever is later. (iii) If the date of the final decree of divorce, dissolution, or annulment is on or after September 29, 1988, the former spouse is eligible only for care received within the 365 days (366 days in the case of a leap year) immediately following the date of the divorce, dissolution, or annulment." TRICARE's own page says the same in one line: "On or after Sept. 29, 1988 You're TRICARE-eligible for one year from the date of the divorce or annulment."
What happens to the commissary, the exchange and the ID card?Partly confirmed
Shopping privileges follow the 20/20/20 test, not the 20/20/15 one. The law directs the Secretary of Defense to write regulations giving an unremarried former spouse who meets the 20/20/20 marriage and service test the right to use commissary stores and morale, welfare and recreation retail facilities to the same extent and on the same basis as the surviving spouse of a retired member. Notice that the cross-reference is to clause (i) of the 20/20/20 definition only, which is the marriage and service part, and not to clause (ii), which is the employer health plan condition. So the employer health plan condition governs health care, not shopping. On the ID card: TRICARE's own guidance says that where the service personnel component finds the 20/20/20 criteria are met, a new ID card is issued in the former spouse's own name, with their own Social Security number listed as the sponsor number the first time the card is renewed after the divorce takes effect. A former spouse who does not qualify under these rules loses their ID card and the privileges that go with it when the divorce becomes final. Separately, a dependant or former dependant receiving transitional compensation after dependant abuse may use commissary and exchange stores while those payments run.
This wording is current. It was changed by Public Law 118-31, section 633, on 22 December 2023, which replaced the older phrase "commissary and exchange privileges" with "use commissary stores and MWR retail facilities". The term MWR retail facilities takes its meaning from 10 U.S.C. 1063. The ID card sentence comes from TRICARE at https://tricare.mil/Plans/Eligibility/FormerSpouses : "If the service personnel component determines that you meet the 20-20-20 eligibility criteria, you'll be issued a new ID card. It will have your own name. Your SSN will be listed as the sponsor SSN the first time you renew your card after the divorce or annulment effective date." The transitional compensation shopping right is at 10 U.S.C. 1059(j)(1).
Is there money for a spouse or child when a servicemember is separated for abusing them?Partly confirmed
Yes. It is called transitional compensation, and it is paid monthly to dependants or former dependants of a member who was on active duty for more than 30 days and who was separated because of dependant abuse. The law reaches three routes out of the service: conviction of a dependant-abuse offense where the conviction results in separation by court-martial sentence or forfeiture of all pay and allowances; administrative separation, voluntary or involuntary, where the basis for the separation includes a dependant-abuse offense; and conviction of a dependant-abuse offense in a federal district court or a state court where the member is then separated for some other offense. A dependant-abuse offense is conduct while on active duty for more than 30 days that involves abuse of the member's spouse or a dependent child and is a criminal offense named in Department of Defense regulations. Payment normally goes to the spouse or former spouse the member was married to when the offense was committed, with an additional amount for each dependent child living in that household; children living elsewhere are paid directly, and if there is no eligible spouse the children are paid. The program runs for not less than 12 months and not more than 36 months. Two things stop it: a former spouse who remarries loses it permanently, and payments stop if the former member moves back into the household. Where the victim was a child, the Secretary may not pay a spouse or former spouse found to have been an active participant in the abuse. Recipients may also use commissary and exchange stores while payments run.
The duration rule is at subsection (e)(2): "Transitional compensation with respect to a member shall be paid for a period of not less than 12 months and not more than 36 months, as established in policies prescribed by the Secretary concerned." The amount for a spouse or former spouse is tied to the dependency and indemnity compensation rate under 38 U.S.C. 1311(a)(1), with an addition under 38 U.S.C. 1311(b) for each dependent child in the household. We have not published a dollar figure because the amount changes with those rates and we could not confirm the current month's figure on an official source. Health care for this group is covered separately at 32 CFR 199.3(b)(2)(iii). Anyone in danger should contact emergency services or their installation family advocacy program rather than rely on a written summary.
Where can a military family get free legal help, and what will that lawyer not do?Partly confirmed
Every service runs legal assistance offices, and they are free. Federal law lets the service Secretaries provide legal assistance on personal civil legal affairs to serving members, to members and former members entitled to retired or retainer pay, to their dependants, and to some others. Divorce, legal separation, annulment, custody and paternity advice are all inside what these offices normally handle. But there are hard limits, and the most important one in a divorce is the conflict rule: the same office will not advise both sides on the same issue. Whichever spouse establishes the attorney-client relationship first gets the help, and the Navy's published guidance says plainly that this applies even where the person who loses out is the servicemember. The office will try to refer the other spouse to another free source, or to a bar association referral service, but it may not point at a named private lawyer. Legal assistance attorneys also do not represent servicemembers or their dependants in family court. Divorce is a matter of state law, so a family will normally still need their own civilian lawyer for the court case itself.
The same page states: "Legal assistance attorneys do not represent service members or their dependents in family court." and, on the divorce question: "No. Divorce is a state matter, not a military or federal matter; therefore, you will need to seek local counsel in the jurisdiction where you intend to file your divorce case." Military OneSource, which is run by the Department, puts it this way at https://www.militaryonesource.mil/financial-legal/legal/managing-the-divorce-process/ : "Military lawyers, called judge advocate general officers, can help service members and spouses understand the legal implications of a divorce. Since divorce is governed by state law, JAGs cannot represent you in court, but can provide guidance on issues including:". Who is eligible is set out in 10 U.S.C. 1044(a) at https://www.govinfo.gov/content/pkg/USCODE-2024-title10/html/USCODE-2024-title10-subtitleA-partII-chap53-sec1044.htm . Procedures vary between the services, so the local office is the place to confirm what it can do.
What is published everywhere and is wrong
On every subject on this page the wrong version is more widely repeated than the right one. These are the ones worth knowing before somebody tells you otherwise.
It decides only whether the military pay center will send the property-division share directly to the former spouse each month. A court's power to divide retired pay comes from 10 U.S.C. 1408(c), which contains no ten year requirement. A shorter marriage can still produce a divided pension; the money simply has to come from the retiree rather than from the pay center. The ten year limit also does not touch direct payment of child support or alimony.
Not so. A court may treat disposable retired pay as divisible property only where it has jurisdiction over the member because the member resides in its territory for a reason other than military assignment, is domiciled there, or consents to the court's jurisdiction. A court can end a marriage without meeting any of those three tests, and an order dividing retired pay from a court that does not meet them is a real problem later.
The 50 percent figure is a cap on what the pay center will pay out under all property-division court orders combined. It is not a ceiling on what a court may award, and it is not the only ceiling in the section: where a property-division order and a support garnishment under the Social Security Act both run against the same person, the combined total the pay center may pay reaches 65 percent of the retired pay treated as remuneration for employment. Hitting the cap also does not cancel what is still owed.
The Supreme Court held in 2017 that a state court may not order a veteran to indemnify a divorced spouse for the loss caused by waiving retirement pay to receive service-related disability benefits. The waived amount is carved out of disposable retired pay by the statute itself. Family courts remain free to take account of the possibility of a waiver when the award is calculated, and to take account of a drop in value when calculating or recalculating the need for spousal support.
It is not. An election has to reach the military department. If the member does not make it, the former spouse can have one deemed made, but only if the Secretary concerned receives the former spouse's written request within one year of the date of the court order or filing. After that the law says an election may not be deemed to have been made. The member has a matching one year deadline from the date of the decree.
That is the 20/20/15 outcome for divorces on or after 29 September 1988, which is 365 days, or 366 in a leap year. A former spouse who meets the 20/20/20 test keeps eligibility indefinitely, so long as they stay unremarried, stay off an employer-sponsored health plan and meet the regulation's other conditions.
The first stay is for not less than 90 days and requires two specific letters, one from the servicemember and one from the commanding officer. A further stay can be sought, but if the court refuses it, the case carries on and the court must appoint a lawyer to represent the servicemember. A servicemember who asks for a stay under section 3932 and is turned down may not then fall back on the separate default judgment protections in section 3931.
Where the divorce becomes final before the member retires, the law freezes the figure. The total monthly retired pay used in the calculation is the amount the member would have been entitled to using the retired pay base and years of service on the date of the decree, increased by cost-of-living adjustments. Promotions and extra service after the decree do not enlarge the former spouse's base figure.
It cannot act for both sides on the same issue, and where two eligible people with conflicting interests come to the same office on the same matter, the one who established the attorney-client relationship first is the one who gets helped, even where the person turned away is the servicemember. Legal assistance attorneys also do not represent servicemembers or their dependants in family court.
What we could not read
Some official sites refuse automated access. We do not defeat those, so where one blocked us we went to a different official source and said so:
- https://www.dfas.mil/garnishment/usfspa/legal/ — The Defense Finance and Accounting Service refused the request outright and returned an HTTP 403 Forbidden, both on a plain request and on a retry with an ordinary browser identification. We tried https://www.dfas.mil/garnishment/usfspa/ as well and got the same refusal. Nothing was bypassed. Everything that would have come from that site has been taken instead from the statute at 10 U.S.C. 1408 on govinfo.gov, which is the law the pay center administers.
- https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title10-section1408&num=0&edition=prelim — The House Office of the Law Revision Counsel site returned the text of a completely different statute, 29 U.S.C. 1001, rather than the section requested. The same thing happened for 50 U.S.C. 3931 and 3932. That site builds pages from a browsing session, so a direct link of this shape is not reliable. We used the identical United States Code text published by the Government Publishing Office on govinfo.gov instead, and checked the 2023 and 2024 editions against each other for every section quoted.
- https://www.tricare.mil/LifeEvents/Divorce — The first request to tricare.mil closed the connection with an empty reply. A second, ordinary request succeeded and returned the page, so nothing here is missing. We record the first refusal only so that a reader who hits the same thing knows it is the site, not them.
Everything this page was read from
https://www.govinfo.gov/content/pkg/USCODE-2024-title50/html/USCODE-2024-title50-chap50-subchapII-sec3931.htm
https://www.govinfo.gov/content/pkg/USCODE-2024-title10/html/USCODE-2024-title10-subtitleA-partII-chap71-sec1408.htm
https://www.govinfo.gov/content/pkg/USCODE-2024-title10/html/USCODE-2024-title10-subtitleA-partII-chap73-subchapII-sec1450.htm
https://www.govinfo.gov/content/pkg/USCODE-2024-title10/html/USCODE-2024-title10-subtitleA-partII-chap73-subchapII-sec1448.htm
https://www.govinfo.gov/content/pkg/USCODE-2024-title10/html/USCODE-2024-title10-subtitleA-partII-chap55-sec1072.htm
https://www.govinfo.gov/content/pkg/USCODE-2024-title10/html/USCODE-2024-title10-subtitleA-partII-chap54-sec1062.htm
https://www.govinfo.gov/content/pkg/USCODE-2024-title10/html/USCODE-2024-title10-subtitleA-partII-chap53-sec1059.htm
https://www.govinfo.gov/content/pkg/USCODE-2024-title10/html/USCODE-2024-title10-subtitleA-partII-chap53-sec1044.htm
https://www.ecfr.gov/current/title-32/subtitle-A/chapter-I/subchapter-M/part-199/section-199.3
https://www.supremecourt.gov/opinions/16pdf/15-1031_hejm.pdf
https://www.jag.navy.mil/legal-services/rlso/faq/
https://www.militaryonesource.mil/financial-legal/legal/managing-the-divorce-process/
https://tricare.mil/Plans/Eligibility/FormerSpouses
https://tricare.mil/LifeEvents/Divorce
https://www.militaryonesource.mil/relationships/separation-divorce/rights-and-benefits-of-divorced-spouses-in-the-military/
The rest of the money
Alimony, child support and what the court itself charges — fifty states, every figure traced to its source.