The New American Accord
Three obligations · one destination
The architectural identity — three positive commitments
The problem
The current settlement asks ordinary labor to pay reliably, while wealth, monopoly tolls, healthcare bureaucracy, climate damage, housing scarcity, and financial extraction shift their costs onto everyone else. Meanwhile US share of chip manufacturing has fallen from 37% (1990) to 10% (2024); China produces 50%+ of the world's ships, 80%+ of rare-earth processing, and 75%+ of batteries.
The Accord's answer is a smaller number of national rails
The compact
The Accord becomes legible when the public sees one operating doctrine: pay old bills, fund the physical future, and raise everyday life to world-class standards.
1 · Retire the national debt within 50 years
The Debt Sunset Governor links long-run projections to automatic adjustments inside statutory corridors set by Congress. Debt is on a 50-year retirement schedule — corridors enforce the trajectory by design. 2030 → 2079. Independent budget-office estimates project a Year-10 deployable surplus of roughly $0.79T per year (central scenario).
2 · Capitalize a climate fund equal to the mitigation task
Carbon starts at $80/ton and rises predictably $30/yr to a $680 cap (Year 21). Households receive an Energy Stipend up to the $160/ton rebate cap. Revenue above the cap, plus methane levy revenue, flows to a ring-fenced Climate Adaptation Trust — sized to track the EPCR-projected mitigation cost. Deployment runs across the 200-year horizon; the residual reserve preserved at Year 200 depends on how much carbon use actually tapers and how fast the physical damage materializes.
3 · Raise actionable QOL to world-class standards
By 2050: top-quartile peer-democracy performance across health, safety, housing, skills, environment, and civic trust — with top-decile targets for research capability and crisis resilience. The Social Stack provides the high floor — the full set of essential conditions for flourishing, delivered through universal rails. COMPASS-triggered investment is the locality-level mechanism: 11 structural+pressure indicators published quarterly, activating Accord programs at the desert level wherever they appear. The Parity Wedge calibrates immigration to workforce demand and demographic balance, at domestic-equivalent wage parity.
Three goals × nine engines · the overlap is the architecture
| Engine | I·Debt | II·Climate | III·QOL | Principal levers |
|---|---|---|---|---|
1.⟳Revenue Capture | ●●● | ●● | ●● | Lifecycle revenue: payroll · sales · carbon · wealth · estate · hidden-asset recovery |
2.✚Distributed Healthcare | ●● | · | ●●● | Universal coverage; clinical authority at the Healthcare Quality Board; 16.8% of GDP cost brake |
3.☰Social Stack | ● | ● | ●●● | Child Allowance · Baby Bonds · Skills Wallet · Social Security 2.0 + Dignity Floor · Childcare |
4.⧖Workforce Augmentation | ●● | ● | ●●● | Skills Wallet portability; Parity Wedge immigration at wage parity |
5.◎Civic Response Network | ● | ●● | ●●● | County-level shortage indicators trigger Accord programs at the desert level |
6.⚡Externality Limiter | ● | ●●● | ● | Carbon $80→$680 · methane levy · ten priced harms; Climate Adaptation Trust capitalized |
7.☑Democracy Hardening | ● | ● | ●● | Ranked-choice voting · independent redistricting · 18-year Supreme Court terms · expert boards |
8.◇Alliance Incentive | ●● | ●● | ●● | 102-nation index reweights trade, immigration, security, capital flows |
9.★Civilization Premium | ●●● | ● | ●● | Annual wealth contribution; estate at exit; hidden-asset reach two heir generations |
The Social Stack
The Social Stack is a high floor — the full set of essential conditions Americans need to live the lives their potential makes possible. Six lifecycle instruments deliver coverage continuity, asset formation, retraining capital, retirement security, childcare, and a privacy-preserving payment rail. Core services arrive through FedCard or enrollment rails when eligibility exists; universal eligibility produces a smooth take-up curve.
Six lifecycle instruments · birth to retirement
Distributed Healthcare · four delivery patterns in parallel
Lifecycle revenue
The Accord captures revenue across the full lifecycle of value: compensation, income, consumption, settlement, wealth, and priced harms. Substance governs treatment; the form of payment is irrelevant to whether tax is collected.
What changes from today's code
The 36-month estate-prepayment disclosure window — tapering invitation
Federal infrastructure · two horizons
Federal infrastructure splits across two horizons. The novel pieces: a 200-year Climate Adaptation Trust, plus four national-resilience priorities (Black-Sky grid resilience, the trauma network, maternity-desert programs, pandemic preparedness) that ride alongside the General Fund's normal infrastructure work. The overdue piece: conventional infrastructure the country has needed for decades — finally protected by a statutory floor that political fluctuation cannot breach.
Novel · the Climate Adaptation Trust
Novel · national-resilience priorities, drawn down early
Four new federal investments funded inside the General Fund infrastructure envelope — statutorily 25–30% of infrastructure spending, drawn down in Years 1–6 so that the most consequential resilience capacity comes online first. Current law funds these episodically, if at all.
Overdue · conventional infrastructure, finally funded properly
The General Fund 25-year schedule clears the legacy capital backlog. The categories are conventional; the funding mechanism is what's new. A statutory floor of 0.45% of gross domestic product — that the Debt Sunset Governor respects without supermajority adjustment — turns "essential infrastructure" from a political variable into an architectural constant. Clears ~75% of the $3.7T legacy backlog → $0.9T residual across $2.4T deployed in 25 years (2030–2054).
Democracy Hardening
Democracy Hardening is the architectural protection that holds the rest in place. Retiring the debt, capitalizing the climate task, and raising quality of life each depend on a constitutional order that produces legitimate consent — institutions trusted enough to hold their authority through a fifty-year arc. Democracy Hardening repairs those institutions before they fail.
Six pillars
Markets Restored
The public payment rail (FedCard) and the wage-parity immigration mechanism (Parity Wedge) are detailed on page 4.
The public-private division of labor
Public summary
The one-sentence pitch
Rollout · enactment to surplus to debt retirement
FAQ for first conversations
The ask
newamericanaccord.org.