Accountable Infinite Prosperity

The floor humanity needs to sustain into the twenty-second century.
Five states. 22 million people. $1.5 trillion economy.

Part 1: What You Get

Benefits for every resident, from birth to retirement.

1 Healthcare

Paid by GRT. No out-of-pocket costs. No premiums. No deductibles. No copays. No insurance companies.

State pays providers directly. Medicare stays in place for 65+. No paperwork. No denied claims. No medical bankruptcy. Repaid through your Stability Account at maturity.

Current System AIP
$8,000 - $25,000/year premiums Paid by GRT
$2,000 - $8,000 deductibles Paid by GRT
$20 - $100 copays per visit Paid by GRT
Insurance company denials None

2 Education

Lifetime access. Paid by GRT. Repaid through Stability Account. No student debt. Ever.

  • Hours: 6 AM - 7 PM (supports working families)
  • Calendar: Year-round (no summer gap)
  • Approach: Nordic-style development focus
  • Programs: STEM, Arts, Athletics included
  • Meals: Breakfast, lunch, dinner included
  • Higher ed: College, trade school, retraining — all covered
Current System AIP
$30,000 - $80,000/year college tuition Paid by GRT
$37,000 average student debt None — repaid via Stability Account
Age cutoffs for education None — lifetime access

3 Childcare

Solved. Part of the education system. Paid by GRT. Repaid through Stability Account.

  • 6 AM - 7 PM coverage
  • Year-round (no summer scramble)
  • Includes meals — breakfast, lunch, dinner
  • Professional educators, not babysitters
Current System AIP
$10,000 - $25,000/year per child Paid by GRT
Before/after school programs extra Included
Summer camps extra Included
Meals extra Included

4 Housing

No upfront down payment. 3% mortgage. Path to ownership.

Housing Affordability Zones built on state land. More units. Real affordability. Not subsidized apartments — ownership. Deferred down payment repaid at move-out.

Down payment at purchase Deferred (paid at move-out)
Interest rate 3% (Fannie Mae)
Deferred equity (paid at move-out) 20% of original price
Max home size 1,800 sq ft
Lot size 2x home sq ft
Green space required 50% of lot
Eligibility State resident 2+ years
Min residency before sale 2 years
Tenure 100% owner-occupied (no rentals)

5 Retirement

$25,000 deposited at birth. Grows to $1M+ by age 65.

  • State deposits $25K (dynamic, can adjust)
  • You can contribute more
  • Invested in dividend-paying domestic stocks (DRIP)
  • Compounds for 65 years
  • At maturity: repay 2x principal + services used
  • Keep the remainder — your retirement
$1,850,000
Typical Balance at Age 65
After repaying $50K principal + $400K healthcare + $200K education

6 Water

Secured for generations. Columbia River pipeline to Five State Alliance.

200 million acre-feet flows unused to the Pacific annually — over twice California's total consumption. Alliance diverts 5% of surplus.

Source Columbia River (Washington/Oregon)
Available surplus 200 MAF/year (96% unused)
Alliance diversion 5-10 MAF/year

Pipeline Route & Jobs

Phase 1: Columbia River → Salt Lake City Intake, pumping, green energy jobs
Phase 2: Salt Lake City → Las Vegas Pipeline construction, maintenance jobs
Phase 3: Las Vegas → Phoenix Distribution, treatment facility jobs
Branch options Denver (CO), Albuquerque (NM)

Infrastructure

  • Power: 100% alliance-owned green energy runs pumps
  • Ownership: Five State Alliance (not private)
  • Funding: Paid by GRT — no separate bonds or fees
  • Jobs: Decades of construction, operations, maintenance along entire route

7 Jobs

Decades of work. Building the infrastructure creates employment across all five states.

Pipeline Jobs (Columbia River → SLC → LV → PHX)

  • Intake facility construction (OR/WA)
  • Pipeline construction — hundreds of miles across multiple states
  • Pumping station construction and operations
  • Green energy installation (solar/wind farms along route)
  • Treatment facility construction and operations
  • Ongoing maintenance — permanent jobs for decades

Other Infrastructure Jobs

  • Housing Affordability Zones — construction across all states
  • Education system expansion — facilities, staffing
  • Healthcare administration (state-run, simplified)

8 Taxes

No income tax. No filing. Just GRT — paid automatically at point of purchase.

Current System AIP
Income tax (2.5% - 5%+) Eliminated
Annual tax filing None required
Tax prep fees ($200 - $500) Eliminated
Hours spent on taxes Zero

Part 2: How It Works

The mechanisms that make this possible.

Gross Receipts Tax (GRT)

One Tax Replaces Everything

GRT is collected at point of sale on all goods and services. No income tax. No filing. No exemptions to game.

  • Replaces state income tax
  • Replaces state sales tax
  • Funds healthcare, education, childcare, water infrastructure
  • Rate is dynamic — adjusts to needs
  • Rate drops dramatically over 65 years as Stability Accounts repay

GRT Rate Trajectory

Years 0-15
12-14%
Building
Years 16-40
8-12%
Maturing
Years 41-65
4-8%
Repaying
Year 65+
2-4%
Sustaining

Stability Accounts

The Self-Funding Engine

Every resident gets a Stability Account at birth. It grows over your lifetime. At maturity, you repay the system and keep the rest.

Initial deposit $25,000 (dynamic)
Personal contributions Allowed
Investments Domestic dividend stocks (DRIP)
At maturity (65) Repay 2x principal ($50K) + services used
Healthcare cap $400K max recouped (state absorbs overage)
Education cap None — your choice how much to use
Death before 65 Personal account — goes to heirs
Opt-out Yes — use private insurance, keep full account

Housing Affordability Zones

State Land + Private Builders + Cost Caps

Land State-owned, sold to builders at 50% market value
Builder requirement Must meet state cost-per-sq-ft cap (updated annually)
Financing 80% Fannie Mae loan at 3%
Buyer down payment $0 at purchase
Deferred equity 20% of original price, paid at move-out
State recaptures 20% returns to fund → revolving system

Water Alliance

Five State Alliance-Owned Infrastructure

Ownership Five State Alliance (interstate authority)
Funding Paid by GRT — built into the rate
Power Alliance-owned green energy
Route Columbia River → SLC → Las Vegas → Phoenix
Branches Denver (CO), Albuquerque (NM)
Expansion incentive Other states join → pipeline extends

Part 3: Why It Works

The math behind the system.

Family Savings

Median family of 4, two children in childcare, household income ~$80,000:

+$8,000
Healthcare savings
+$20,000
Childcare savings
+$4,000
Income tax eliminated
+$3,000
Meals included
+$30,000/year
Net Family Savings
After accounting for GRT increase

Employer Savings

Per employee:

+$17,000
Healthcare premiums eliminated
+$500
Benefits admin eliminated
-$7,000
Net new GRT
+$10,000/worker/year
Net Employer Savings
Plus: no ACA compliance, no plan renewals, easier hiring

Stability Account Math

Age Event Balance
0 State deposits $25,000
18 After K-12 ~$85,000
25 After college + contributions start ~$150,000
45 Mid-career ~$600,000
65 Maturity (6.88% avg growth) ~$1,890,000
65 Repay 2x principal -$50,000
65 Repay healthcare (capped) -$400,000
65 Repay education -$200,000
65 Keep ~$1,240,000

Generational Payoff

Generation GRT Rate Benefits Account at 65
Gen 1 (launches system) 12-14% Full Partial
Gen 2 (children) 8-12% Full Full
Gen 3 (grandchildren) 4-8% Full Full
Gen 4+ (future) 2-4% Full Full

Build it once. Fund it for 65 years. Runs forever.

Part 4: Getting Started

The path to implementation.

Five State Alliance

Utah, Nevada, Arizona, Colorado, and New Mexico. Five states. 22 million people. $1.5 trillion GDP.

Utah
~14%
+$35K family savings
Nevada
~12%
+$32K family savings
Arizona
~12%
+$31K family savings
Colorado
~13%
+$43K family savings
New Mexico
~11%
+$28K family savings

Why Alliance

🛡️ Political Cover

  • No single state isolated
  • Bipartisan mix (R and D governors)
  • Shared risk, shared reward

💰 Economic Scale

  • $1.5 trillion GDP
  • 22 million people
  • Proof of concept at scale

🚰 Water Security

  • Columbia River pipeline serves all five states
  • Shared infrastructure costs
  • Jobs along entire route

📋 Harmonized Rates

  • Rates within 3% of each other
  • No cross-border arbitrage
  • Portable benefits

Timeline

Year 0: Formation

Coalition commits. Interstate compact signed. Legislation drafted.

Year 1: Legislation

Each state passes enabling legislation. GRT infrastructure begins.

Year 2: Build

GRT systems operational. Healthcare transition begins. HAZ pilot sites selected.

Year 3: Launch

Full GRT in effect. Income tax eliminated. First Stability Accounts funded.

Years 4-15: Scale

Housing zones expand. Water pipeline construction. Education system transformation.

Year 65+: Sustain

First accounts mature. System self-funds. GRT drops to maintenance level.