CRAWLEY, Presiding Judge.
The parties were divorced in April 1995, after a 30-year marriage. At the time of the divorce, John William Harmand ("the husband") was a civil-service employee of the United States government covered by the Federal Employees' Retirement System ("FERS"). Arlene Margo Harmand ("the wife") had no retirement benefits. The final judgment of divorce incorporated the parties' settlement agreement. Paragraph 10 of the divorce judgment states:
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