The Commonwealth of Umbraloth is a colossal, socially progressive nation, ruled by Carm with a fair hand, and renowned for its multi-spousal wedding ceremonies, unlimited-speed roads, and smutty television. The compassionate, democratic population of 2.754 billion Umbralothians are free to do what they want with their own bodies, and vote for whomever they like in elections; if they go into business, however, they are regulated to within an inch of their lives.

The enormous, liberal, socially-minded government juggles the competing demands of Education, Administration, and Welfare. It meets to discuss matters of state in the capital city of Luminae. The average income tax rate is 79.1%, and even higher for the wealthy.

The Umbralothian economy, worth 195 trillion Zennies a year, is driven entirely by a combination of government and state-owned industry, with private enterprise illegal. The industrial sector, which is quite specialized, is led by the Information Technology industry, with major contributions from Tourism, Book Publishing, and Trout Farming. Average income is 70,947 Zennies, and distributed extremely evenly, with practically no difference between the richest and poorest citizens.

Foreign musicians that Carm dislikes are turned away at the border, mantis shrimp studies is academia's fastest-growing field, the numbers on the latest spending report are reaching stellar levels, and hospitals fear government fines more than terrorist ransoms. Crime is totally unknown, thanks to a well-funded police force and progressive social policies in education and welfare. Umbraloth's national animal is the Human Being, which frolics freely in the nation's many lush forests, and its national religion is Secular Humanism.

Umbraloth is ranked 291,410^th in the world and 10^th in Universal Dream Network for Largest Insurance Industry, scoring -10.7 on the Risk Expulsion Effectiveness Rating.