The Common Cause case involved a challenge to rules that allowed the government to recover more from pensioners than what was paid out due to commutation. The court adopted two approaches - the "15-year rule" for civilians and the "years of purchase basis" for defense personnel. However, the 15-year rule violates laws against unjust enrichment. The ratio decidendi, or binding basis of the ruling, is actually the "years of purchase basis" since it does not cause injustice, while the 15-year rule is considered obiter dictum and has no binding effect.