The Philosophy
Establish a new foundation for a thriving nation
The Accord addresses the multi-trillion-dollar problems of civilizational decay — and each goal below names the engine built to deliver it.
Found only here
Mechanisms that exist nowhere else in the 2029 field.
Advisor disclosure & promoter liability
The avoidance industry must report its own schemes within 30 days of marketing them — penalties fall on the advisor, and every structure is pre-registered before a dollar moves. Fielded by the UK and EU; by no US administration.
Immigrant payroll tax with community rebate
Employer pays the domestic-equivalent wage; the gap is collected as a federal payroll tax and rebated to the host community, phasing down as the worker integrates.
Annual estate-tax prepayment during life
Large estates pay the same bill early, in today’s dollars — the time value passes to the public by design, with no discount to the taxpayer. A substitute for a standing wealth tax.
Veterans Health Administration as a delivery lane in healthcare deserts
Single-payer financing plus three delivery models — including the existing Veterans Health Administration expanded to reach rural areas the market won’t.
FedCard — a Treasury benefits-and-payment rail
A public payment utility delivering every benefit automatically — no application, no interchange skim.
COMPASS — tract-level quality-of-life sensing with auto investment
Community Outcomes Measurement for Prosperity, Accountability, Security, and Sustainability — every census tract scored quarterly, place-based investment triggered by formula, not appropriation.
Macrogovernors with the Debt Sunset Governor
Automatic fiscal stabilizers in statutory corridors. Monetary policy works this way; fiscal policy never has.
Civil Service academies
A West Point for the civilian federal workforce — constitutional loyalty, professional standards, leadership pipelines for talent from unprivileged backgrounds.
Corporation for Public Broadcasting expansion
Funding to broaden the viewpoints public media carries (including independent center-right and Spanish-language programming) and protect children’s educational access — routed through the Corporation for Public Broadcasting’s existing firewall to independent producers.
Democracy vouchers at federal scale
Public campaign vouchers to dilute concentrated money — the post–Citizens United counterweight, generalized from Seattle to federal scale.
Five central-bank-style independent expert panels
Federal-Reserve-style independence extended to healthcare quality, statistics, housing, financial stability, and digital safety.
Pre-funded, ring-fenced Financial Stability Reserve
A risk-scored levy on systemically important financial institutions, capitalized continuously into a segregated fund deployable only on pre-authorized triggers — banks pre-pay for their own systemic risk.
Pay our own bills. Clean our own waste.
Harsh on us — harder on the grandchildren if we don’t.
Who benefits most
Children first: a debt-free nation and a funded climate trust by 2079.
They inherit a debt-free nation, a hardened grid, a funded climate trust, and an architecture that lasts longer than any administration.
Who sacrifices
Everyone.
Everyone will be affected. The status quo is unsustainable. Habits and expectations will have to change. But everyone will also see benefits — healthcare without bankruptcy, infrastructure hardened against the climate damage already locked in, a debt that retires, and a democracy that holds together for our grandchildren.
Who contributes more
Large fortunes, and firms whose costs land on others.
Businesses apportion their costs to customers, who can avoid them by buying differently. Wealthy households rise from a near-zero effective share to a share equal or greater than the middle class. Working paychecks land larger, not smaller — the new payroll tax replaces FICA plus the premium share the employer used to pay.
Who has to change
Businesses whose costs land on someone else.
Businesses that have grown comfortable with their externalities — gatekeepers between consumers and basic services, outlets that monetize outrage, polluters whose costs land on someone else. Not because anyone designed the system this way; because no one tended to it for a century. The Accord prices the costs at the source and routes around the rails that filled the gap.
Where the new revenue comes from
Large estates
Prepayment during life smooths the transition at death.
Annual estate-tax prepayment on wealth above $10M; estate-tax brackets restored.
Avoidance retired
The escape routes, closed: step-up, carried interest, buy-borrow-die, discounts.
Carried interest, stepped-up basis, the employer-premium exclusion, pass-through games — collected at the source of payment, where they always should have been.
Priced harms
The actor causing the harm pays the cost.
Methane leakage (MARL — pipelines, uncapped wells; satellite + direct-measurement enforcement), financial speculation, pavement damage by axle weight, attention extraction, and other priced externalities — charged where they originate. Drilling-extraction fees on oil and natural gas are treated separately (see note below) because their revenue is ring-fenced.
Private tolls reclaimed
The skims, bypassed: card interchange, PBM spreads, too-big-to-fail subsidies.
Interchange fees on every swipe — FedCard's public rail bypasses them. PBM drug-price gouging unwound. Too-big-to-fail bank subsidies retired.
Where the money goes
Follow every dollar
Closing the escape routes →Today’s law on the left, the Accord on the right. Revenue flows into the General Fund and two ring-fenced trusts, then out to coverage, the family floor, infrastructure, and debt retirement. Toggle Top 2% or Top 0.2% to see what the very top actually pays after avoidance — a thin sliver under today’s rules, a far wider band once the escape routes close.
Income TaxCorporateVATWealth+EstateFinancial Transactions Tax+too-big-to-fail bankPayroll taxCarbon / ClimateSurplusClimate Trust
Year 10, central scenario. Ring-fenced pools cannot be raided by Congress; the surplus retires the debt by 2079. Top-cohort shares reflect collection after avoidance — modeled from published effective-rate studies, not a microsimulation. Open the full interactive model (with sliders) →
Nine engines · Six rails · Panels · Macrogovernors
How it's built: nine engines, six governors, two trusts
Engines of transformation
Capture revenue
Lifecycle revenue at every stage of value.
Distribute Healthcare to all
Premium-free care; a federal board holds the cost.
Help kids succeed
Child allowance, Baby Bonds, Skills Wallet, Social Security 2.0.
Augment the workforce
A payroll surcharge levels immigrant pay without undercutting wages.
Help struggling communities
County-by-county need scores trigger automatic investment.
Tax pollution and harm
Ten priced harms at the source.
Strengthen democracy
Ranked-choice, fair maps, 18-yr SCOTUS.
Incentivize alliances
102-nation governance index sets tariffs.
Maximize livability
Annual wealth contribution; estate at exit.
Delivery rails, expert panels, and the sensor network
FedCard
Treasury-backed rail in every wallet.
Post Office 2.0
31,000 federal locations, repurposed.
Five Expert Panels
Senate-confirmed, methodology-audited.
Census Tract Sensors
Every US tract scored quarterly.
Automatic stabilizers — Congress sets the corridors, Treasury applies adjustments
Productivity Turbo
Capital-investment credit on weak GDP.
Speculation Brake
Slows housing / equity surges.
Input Shield
Pauses carbon escalator on energy shock.
Healthcare Cost Brake
Holds healthcare at 16.8% of GDP.
Financial Stability
Auto secured lending on stress.
Debt Sunset
Couples payroll + top rate to debt path.
Clear the way, then build
Captured markets fail the test free markets exist to pass. Government clears the obstacles — and removes the hidden subsidies, private tolls, monopoly pricing, and zoning scarcity that block supply. Then a free people builds — for productivity, defense, technology, energy, innovation, communication, and AI. Government sets the floors, prices the harms, and clears the way.
Where to start
Pick the door that matches your role.
For households
Personalized AI answers, cited.
For candidates
Eight-page briefing PDF — aspiration, three commitments, how it pays.
For office holders
Full architecture — mechanisms, scoring, chapter cites.
Policy wonks
Six structural differences from current proposals.
Calculators · household · business · wealth · immigration
A new democracy for a new century — capable, fair, and built to earn its place in every generation.