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“The cave you fear to enter holds the treasure you seek.”

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The Commonwealth of Umbraloth is a colossal, environmentally stunning nation, ruled by Carm with a fair hand, and notable for its museums and concert halls, lack of airports, and irreverence towards religion. The compassionate, democratic population of 2.797 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 79.2%, and even higher for the wealthy.

The Umbralothian economy, worth 199 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 Tourism industry, with major contributions from Information Technology, Book Publishing, and Trout Farming. Average income is 71,262 Zennies, and distributed extremely evenly, with practically no difference between the richest and poorest citizens.

Hospitals fear government fines more than terrorist ransoms, the nation has welcomed its expats back with open arms, town nameplates frequently raise giggles from passing tourists, and the nation is proudly the least fertile in Universal Dream Network. 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 313,902^nd in the world and 10^th in Universal Dream Network for Largest Insurance Industry, scoring -10.7 on the Risk Expulsion Effectiveness Rating.