Games are played in four quarters of 10 (FIBA) or 12 minutes (NBA). College men's games use two 20-minute halves, college women's games use 10-minute quarters, and most United States high school varsity games use 8-minute quarters; however, this varies from state to state. 15 minutes are allowed for a half-time break under FIBA, NBA, and NCAA rules and 10 minutes in United States high schools. Overtime periods are five minutes in length except for high school, which is four minutes in length. Teams exchange baskets for the second half. The time allowed is actual playing time; the clock is stopped while the play is not active. Therefore, games generally take much longer to complete than the allotted game time, typically about two hours.