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
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
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:
Employer Savings
Per employee:
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.
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.