The Loan Nobody Voted For
The New American Accord ends tax deferral — everywhere, for everyone, with no exceptions. No 401(k), no IRA, no Roth for new money, no deferred executive compensation, no insurance policy with an…
Read post →The Paperwork Tax
Americans pay a tax Congress never votes on: the cost of proving they followed the rules. It runs to 6.9 billion hours and more than $530 billion a year — nearly two percent of GDP, spent not paying…
Read post →The Price of Admission
Every era rewrites the list of things a person must have to participate in American life at all, and ours has three new entries: a data connection, a way to receive and move money electronically, and…
Read post →The Quietest Fee
Retirement in America is graded by employer luck, and the grade compounds: the worker whose HR office picked a one-percent plan retires with roughly a quarter less than her identical twin at the firm…
Read post →When Intelligence Becomes Abundant
Artificial intelligence is the massive disruption of our generation — not a candidate for the title, the holder of it. Steam mechanized muscle; electricity distributed it; computing automated…
Read post →What the Accord Does for K-12 — Without Touching the Classroom
The New American Accord contains no federal K-12 program. No national curriculum, no federal teacher standards, no takeover of local schools. That is deliberate. The things inside a school that…
Read post →Closing the Escape Routes
How the New American Accord finally collects a progressive share from the wealthy — with rules and consequences, not a surveillance state. For fifty years, the loudest argument in American tax…
Read post →Managed Transition: Rotation and Reallocation
The Managed Reallocation A Transition Framework for the New American Accord: The Air-Pocket from Autumn 2028 to Summer 2029, and How to Cross It Position paper — for candidate, advisor, and donor…
Read post →NAA visits Senator Warren staff
On Friday, May 22, the New American Accord visited the Federal Building in downtown Boston to meet with the office of Senator Elizabeth Warren. Carl Williams hosted, as Regional Director for Senator…
Read post →National Service Academies
Core idea A republic that asks for competence must build it.** The existing service academies show the model: a tuition-free, intensive education in exchange for public service. Federal service…
Read post →The Restorative Housing Framework: Realigning Market Incentives for Human Flourishing
The United States faces a persistent deficit of approximately 4 to 8 million homes. This shortage is not a natural market failure but a systemic distortion engineered by decades of federal tax…
Read post →Legislative Structure
The Accord can be reduced to a legislative/executive inventory. At the current level of source detail, I would organize it as: 1. **Day-One Executive Orders and presidential memoranda** to prepare…
Read post →Accession Tax
Current federal law already gives the transition a familiar anchor: the estate-and-gift tax tops out at 40%, the 2026 federal basic exclusion amount is $15 million, and the GST tax rate is tied to…
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