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Public summary · 50-year compact

The New American Accord

A 50-year compact for a high-capacity republic.
Debt down.
Climate funded.
Lives made livable.
The Accord is a public infrastructure plan for private flourishing. It prices cost-shifting, breaks captured markets, builds universal rails, and measures whether communities actually become healthier, safer, more capable, more affordable, and more free. Nine interlocking engines serve three obligations simultaneously — the overlap is the architecture.

Three obligations · one destination

Obligation I
Retire the debt
The Debt Sunset Governor keeps the 50-year debt-retirement path on track. Statutory corridors automatically adjust the payroll levy and the top income rate together in quarter-point steps. Federal debt retired by 2079.
Obligation II
Fund the climate task
$10T Climate Adaptation Trust by 2079; $22T cumulative deployment over the 200-year arc of resilience. Carbon $80 → $680 with an automatic $30/yr escalator. Capitalized during the one-time-chance window.
Obligation III
Raise quality of life
Top-quartile peer-democracy performance by 2050. The Social Stack provides a high floor — every essential condition for flourishing, delivered through universal rails. COMPASS-triggered investment activates Accord programs at the tract level wherever shortages appear. The Parity Wedge calibrates immigration to workforce demand and demographic balance.
The operating doctrine
Government sets floors, prices harms, protects privacy, procures outcomes, and audits results. Families, firms, communities, and civil society do the living, building, choosing, and innovating.

The architectural identity — three positive commitments

Universal automatic delivery
Core floors arrive automatically through FedCard or enrollment rails. Eligibility is universal; uptake is direct. Household choice governs use within statutory categories. Take-up climbs smoothly because the experience is a rail that already runs.
Privacy by design
FedCard transactional privacy is architectural. Access is warrant-protected and logged. Commercial data routing stays off the rail. COMPASS measures tract-level aggregates; identities remain with the household.
Priced harms, preserved choice
Harms are priced at source — carbon, pavement damage, water depletion, systemic risk, public-health costs become cost accounting. The household decides the response. Behavior stays with the market.
v10.2 · 2026-05-07 · Author: Bill Hersman · Publisher: LiDAR Space LLC, Durham NHPublic summary draft for discussion.
A 50-year compact for a high-capacity republic · v10.2 · newamericanaccord.org1 / 8
The New American AccordWhy change

The problem

America's state machinery is shattered. China's is focused.

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.

$39T
Federal debt
Debt service crowds out investment. The Accord puts debt on a 50-year retirement schedule held by the Debt Sunset Governor — corridors adjust each October to keep the trajectory on target.
28M
Uninsured
Universal Distributed Healthcare replaces coverage gaps and medical-bankruptcy traps. Premium-free Day 1.
11.5%
Child deprivation
The Child Allowance, Childcare Plan, Baby Bonds, and universal healthcare lift child poverty into the architecture — a system answer to a system problem.
Home price / income
Housing abundance attacks the regulatory scarcity that blocks family formation and mobility. Target 8M additional homes over 20 years; price-to-income heads from 6× toward 4×.
$170B
Interchange extraction
FedCard introduces a public debit rail at near-zero processing cost — ~$35–40B/yr in debit swipe fees eliminated. Credit cards remain a private product alongside. Privacy-protected by design.
$10.2T
Climate damages
Carbon and methane revenue pre-fund adaptation through the Climate Adaptation Trust, instead of waiting for disasters.

The Accord's answer is a smaller number of national rails

Universal delivery
FedCard or enrollment rails when eligibility exists. Direct delivery for core child cash. Smooth take-up curve through universal eligibility. Marriage-neutral by design. Household choice on use.
Hard price signals
Harms priced at the source — carbon, methane, financial speculation, systemic risk, public-health, road-use, water, parity wedge. Cost accounting that informs household choice while leaving the choice itself to the market.
Expert cost brakes
The Healthcare Quality Board holds healthcare at 16.8% of gross domestic product. The Speculation Brake responds to asset-price velocity. The Debt Sunset Governor protects the debt path. Each operates inside statutory corridors set by Congress.
Tract-level measurement
COMPASS publishes 11 shortage indicators by census tract, quarterly. Below-threshold structural OR above-threshold pressure activates the linked Accord program at the desert level.
Fiscal governor that holds
The Debt Sunset Governor is statutorily bound to the debt path. The payroll levy and the top income rate move together in quarter-point coupled steps inside a statutory corridor. Debt is on a 50-year retirement schedule — the architecture itself does the work.
Two ring-fenced trusts
Climate Adaptation Trust + Financial Stability Reserve. All other revenue flows through the General Fund — preserving democratic discretion over the bulk of fiscal policy.
The premise. The Accord replaces leakage and bureaucracy with a smaller number of national rails. Universal delivery, hard price signals, expert cost brakes, tract-level measurement, and a fiscal governor statutorily bound to the debt path. Pages 3–8 explain how the architecture serves the three obligations simultaneously.
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The New American AccordThe three obligations

The compact

Three goals. Every program must justify itself against them.

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

EngineI·DebtII·ClimateIII·QOLPrincipal 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
●●● principal contribution · ●● significant · ● supporting. Eighteen of 27 engine-goal cells score significant or principal — the architecture is built for redundancy.
The rule for budgets and rhetoric. Every program must reduce debt pressure, fund resilience, or raise actionable QOL — or carry a stronger reason to exist. Privacy-preserving and choice-preserving design hold canonical weight. The three obligations set priority; outcome evidence sets emphasis.
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The New American AccordA high floor for flourishing

The Social Stack

The complete set of essential conditions for human flourishing — delivered automatically through universal rails.

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

Universal Healthcare · Engine 2
Essential medical, dental, vision, hearing, mental-health, and long-term-care needs covered through Distributed Healthcare. Four delivery patterns in parallel (detailed below). Optional supplemental coverage above the floor. 16.8% of GDP cost brake at the Healthcare Quality Board. 4–6 year capacity-gated rollout; clinical authority at the Quality Board, including phase rollback.
Family stack · Engine 3
Universal Child Allowance: beginning at $800/month per child, over $1,000/month in high-cost regions, tapering with child number and age. Phased in over three years to full deployment. Full schedule at /uca. Baby Bonds: $19,000 endowment by age 18, quarterly draws 18–21, unrestricted use.
Childcare access · Engine 3
Ages 0–5 covered through mixed delivery: federal anchor sites at Veterans Administration, Defense, Postal Service, and General Services Administration properties · private centers in shortage areas · family/friend/neighbor navigators. Target: 4.2M-slot gap closed by Year 8. Funding split 50/25/25 (Accord / employer-or-host / family).
Skills Wallet · Engines 3 + 4
$1,000/yr accrual · $20,000 lifetime cap · forfeit at age 55. Approved retraining, certifications, credentials that unblock healthcare, trades, infrastructure, and other labor bottlenecks. Decoupled from any single employer.
Social Security 2.0 · Engine 3
Brings Social Security onto the general ledger as a permanent national commitment — the same legal weight as defense, the same statutory standing as every federal obligation. The existing SS Trust exhausts on the CBO LTBO 2025 schedule (combined OASDI 2034) and is permanently closed; the Accord does not change the drawdown schedule and prevents the ~23% post-exhaustion benefit cut FICA-alone would force. Dignity Floor $1,150/mo for 30-year contributors. Long-run solvency held by the Debt Sunset Governor.
FedCard · modern currency + benefits rail
The first public payment rail since paper cash — modern currency and benefits delivery on a single privacy-protected card. Carries the Child Allowance, Baby Bonds, monthly cash rebate ($290/adult/month), climate stipend, payroll settlement, and emergency support. Eliminates ~$35–40B/yr in debit swipe fees; credit cards continue as a private product alongside.

Distributed Healthcare · four delivery patterns in parallel

① Expanded Veterans Health Administration
Public, salaried, integrated. The existing Veterans Health Administration scales nationally to all Americans. Primary public provider for primary care, trauma, maternity, mental health.
② Regional integrated systems
Kaiser-style multi-specialty integrated systems — public, non-profit, or private — contracted at national rates with a service-area enrollment obligation. Capitated payment aligns toward population health.
③ Community-based · Medicare-style
Independent hospitals, clinics, federally qualified health centers, and physician practices on the national fee schedule. Public, non-profit, and private all participate on equal terms.
④ Private supplemental
Voluntary above-floor coverage on community-rated guaranteed-issue terms — single rooms, concierge access, faster elective scheduling, premium prosthetics, and interventions the Quality Board has excluded.
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The New American AccordHow it pays

Lifecycle revenue

Tax value where it appears. Close the escape routes.

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.

Compensation — payroll tax
28% on all compensation (10.5% employee · 17.5% employer); comprehensive base across wages, bonuses, equity at vesting, deferred pay, and perquisites — source-collected. Replaces FICA. All receipts flow undifferentiated to the General Fund — no destination silos for SS, healthcare, or the Skills Wallet.
Income
Graduated rates 10–55% across 13 brackets. Capital gains converge at the top above a $10M lifetime cap on favored rates. Carried interest taxed as ordinary income. Buy-borrow-die closed by ending the basis step-up at death.
Consumption — Value-Added Tax
10% standard · 15% luxury on category-specific thresholds. Universal monthly cash rebate (Pre-bate) of ~$290/adult/month via FedCard — automatic delivery, no application. The rebate exceeds the tax burden at the bottom of the distribution.
Settlement
Basis step-up at death ends. Death is a realization event; unrealized gains realize at transfer alongside the estate excise. Captures the $40B/yr previously-uncollected step-up channel.
Wealth
$10M individual / $20M joint threshold. v10.3: Estate Tax Prepayment Plan escalator 0.75%→2.5%. Estate brackets 35/45/55/60% (top above $1B). Accession tax 15/25/35/40% on heir's lifetime receipts. GST 40% on skips. Charitable institutions face institutional-investment excise above threshold. Sovereigns out of scope.
Priced harms
Ten harms priced at source — carbon, methane, financial speculation, SIFI levy, interchange extraction, institutional concentration, public-health, parity wedge, road-use, water depletion. Revenue routes by purpose.

What changes from today's code

· Labor stops carrying the full load while capital, perks, equity, and inherited appreciation route around it.
· Firms that use American customers, infrastructure, courts, and capital markets contribute where the sales occur — sales-factor apportionment.
· Broad consumption revenue is paired with universal rebates, so stable revenue stays progressive at the bottom.
· Harms are priced at the source — costs paid where they originate, recovered from hospitals, roads, aquifers, workers, and future taxpayers who today carry them.
· Most revenue flows to the General Fund. Two ring-fenced trusts only (Climate Adaptation Trust + Financial Stability Reserve) plus statutory household rebates.
· The corporation's compensation declaration funds its own deduction; the same disclosure is the audit basis for the recipient's withholding and any estate-prepayment filing.

The 36-month estate-prepayment disclosure window — tapering invitation

Y1 · Months 1–12
0.8% on disclosed, with full forgiveness of historic exposure. The favorable invitation rate.
Y2 · Months 13–24
1.0% + retrospective back tax with applicable interest. Penalty-free.
Y3 · Months 25–36
Standard graduated rates + back tax. Penalty-free closing window.
Y4+ · After window
Standard rates + back tax + penalties. Hidden-asset recovery reach: life of the holder plus two heir generations, against the asset itself and against the estate that bequeathed it. The open-ended liability is the architectural deterrent.
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The New American AccordInfrastructure on two horizons

Federal infrastructure · two horizons

What's novel — the Climate Adaptation Trust + national resilience priorities. What's overdue — conventional infrastructure, finally funded at the level the country has needed for decades.

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

Climate Adaptation Trust · 200 yr · sized to mitigation cost
2030–2229. Ring-fenced and statutorily insulated from General Fund appropriation. Capitalized during the high-carbon-price window — sized to track the EPCR-projected mitigation cost. Cumulative deployment scales to the damage actually realized as climate impacts materialize; the residual reserve preserved at Year 200 depends on the path. There is no precedent in the federal fiscal arrangement for an intergenerational reserve sized on this horizon.
Ten categories · coastal defense · grid hardening · water resilience · wildfire hardening · agriculture adaptation · public-health surge · ecosystem migration · managed retreat · heat infrastructure · supply-chain redundancy.
Five eras · six anti-trap operating rules · eight governance principles. Disbursed by the Expert Panel on Climate Resilience — clinical authority over a 200-year asset class.
The one-time-chance framing. Declining carbon use means the carbon revenue tapers as decarbonization succeeds. The window for capitalizing a Trust at this scale from carbon revenue exists once. The Trust accumulates while the price is high and use is high; it draws down later, as physical-climate damage arrives.

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.

Black-Sky · grid resilience
Hardened substations, transmission redundancy, and a federal communications spine designed for continuity through electromagnetic-pulse, cyber, and kinetic-threat scenarios. The grid that lights the next century needs a survivability standard the current grid has never been built to.
Trauma network expansion
Rural trauma centers and capacity-payments that make low-volume sites economically viable. Veterans Health Administration expansion and hospital-takeover pathway in trauma-access deserts. Activated by the trauma-access shortage indicator.
Maternity-desert programs
Veterans Health Administration expansion, hospital-takeover, and maternal-care telehealth — deployed wherever the maternity-care shortage indicator activates. Closes the gap that today drives rural maternal mortality far above peer-democracy norms.
Pandemic preparedness
Standing surge capacity — staff, beds, supply chain, lab, contact-trace infrastructure — funded as continuous capability rather than per-event response. Includes drug-overdose forensic traceback built into the medical-care pipeline.

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).

Fourteen categories · roads · bridges · water · wastewater · power · ports · aviation · rail · transit · broadband · stormwater · dams and levees · public buildings · solid waste. Four eras: resilience-priority ramp (Years 1–6) → backlog buildout (Years 7–14) → tail completion (Years 15–22) → maintenance (Years 23–25+).
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The New American AccordDemocracy Hardening

Democracy Hardening

The institutions that produce legitimate consent, repaired before they fail.

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

① Election integrity
Ranked-choice voting ends spoiler dynamics and resets the incentive toward majority-coalition candidates. Independent redistricting takes line-drawing geometry away from incumbents — federal standards with courts as backstop. Federal floor for security, modernization, and post-election audit standards — funded from the General Fund, insulated from annual appropriations brinkmanship.
② Supreme Court on a regular rotation
18-year Supreme Court terms restore predictable rotation; the Court sits independent of actuarial chance. Judicial-conduct standards apply across the federal bench. The architecture treats the Court as an institution with a schedule, rather than a body whose composition arrives by accident.
③ Expert governance boards inside statutory corridors
National Statistics Board · Healthcare Quality Board · Climate Resilience Panel · Treasury Stability Board. Each carries an inspector general, public methodology, statutory corridors set by Congress, and 18-year reauthorization. Boards operate inside corridors; Congress sets the corridors. Technical authority where technical authority belongs; democratic authority over its scope.
④ Federal civic commons · installed infrastructure activated
Post Office 2.0 turns the federal real-estate presence in every ZIP code into a community anchor — food-access shortage storefront, telehealth booth, FedCard delivery point. Public-media floor protects the cross-partisan informational commons. Local-news shortage program: federal public-broadcasting newsroom grants + 2:1 matched investigative funding. Federal Community Platform.
⑤ Capture safeguards
Conflict-of-interest disclosure for board appointees. Cooling-off periods between board service and regulated-industry employment. Audit trails on every Healthcare Quality Board and Treasury Stability Board intervention. Inspector-general protection — inspectors general may be removed for cause, with cause publicly documented and subject to congressional review.
⑥ Privacy & data architecture
FedCard transactional privacy is architectural. Government queries are logged; unauthorized individual access triggers Justice Department referral. Commercial data routing stays off the rail. County-level shortage indicators measure aggregates only; identities remain with the household. Program databases are compartmentalized; co-located services keep records separate.

Markets Restored

Captured markets fail the test free markets exist to pass. The Accord restores discipline by removing hidden subsidies, private tolls, monopoly pricing power, zoning scarcity, and wage arbitrage.

The public payment rail (FedCard) and the wage-parity immigration mechanism (Parity Wedge) are detailed on page 4.

Housing abundance
Target 8M additional homes over 20 years; price-to-income heads from 6× toward 4×. The federal role is to remove exclusionary barriers, certify factory-built designs, and help create the workforce private builders need; construction stays with the market.
Alliance Incentive · 102-nation index
Trade access, procurement, and supply-chain priority are aligned with governance, labor, carbon, defense, market access, and civil-liberty scores. Improvement is rewarded; tariff scaled to governance. Continuously published.

The public-private division of labor

Public
Set floors. Price harms. Publish standards. Procure outcomes. Audit results.
Private + civic
Build. Compete. Innovate. Organize. Care. Trade. Choose.
Expert boards
Operate inside statutory corridors set by Congress. Healthcare Quality Board · National Statistics Board · Climate Resilience Panel · Treasury Stability Board. Inspector general · public methodology · 18-year reauthorization.
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The New American AccordHow to talk about it

Public summary

One sentence, the rollout from enactment to debt retirement, a short FAQ, and a simple ask.

The one-sentence pitch

The New American Accord is a 50-year compact to retire the debt, fund climate resilience, and make American life world-class — through automatic universal delivery, privacy by design, and competitive markets restored.

Rollout · enactment to surplus to debt retirement

2029 · Enactment
Congress passes; signed into law. The architecture takes effect on the 2030 fiscal-year boundary. Stand-up year for federal IT, payment-rail readiness, expert-board appointments.
2030 · Year 1 · rollout begins
payroll tax replaces FICA. Universal Child Allowance at half-rate. Carbon fee at $80/ton. Distributed Healthcare prep phase. Wealth-disclosure window opens at the favorable 0.8% invitation rate. Infrastructure ramp begins.
2034 · Year 5 · full rates
Universal Child Allowance at full rate. Disclosure window closes. Distributed Healthcare expansion phase. Skills Wallet has accumulated $5K per worker. Childcare desert grants live.
2039 · Year 10 · surplus arrives
Childcare gap closed (4.2M slots). Social Security 2.0 trust transition complete. ~$0.79T per year of deployable fiscal surplus enters the architecture. Federal debt path firmly downward.
2049 · Year 20 · carbon at cap
Carbon revenue reaches the $680/ton ceiling; remaining carbon revenue compounds the Climate Adaptation Trust. Infrastructure backlog ~75% cleared.
2079 · Year 50 · debt retired
Federal debt on a 50-year retirement schedule held by the Debt Sunset Governor. Climate Adaptation Trust funded against the EPCR-projected mitigation cost. Top-quartile peer-democracy quality of life sustained.

FAQ for first conversations

Is this just bigger government?
It is bigger public capacity in the places where markets reach their limits, paired with simpler rails and fewer private toll booths. The Accord consolidates many existing channels into a smaller program count.
How does the Accord handle behavior and choice?
The design prices real costs and lets households and firms decide how to respond. Externalities are accounted for; behavior is left to the market.
How does the Accord treat large fortunes and firms?
It closes escape routes, prices capture, and asks large fortunes and firms to pay for the public platform they rely on. The Civilization Premium is the price of an institutional bundle worth its annual cost.
How will we know it worked?
Debt trajectory, Climate Adaptation Trust capitalization, and county-level quality-of-life outcomes are published and audited every year. The three obligations are the public scorecard.
What if Congress wants to change something?
Every Accord provision is open to amendment by any future Congress through normal law. Durability comes from design quality. The architecture earns its place each session.

The ask

If you're a voter
Talk to your neighbor. Most people have never seen a coherent fifty-year plan. Walk them through the three obligations.
Pressure your sitting legislator. Ask whether their next vote moves debt down, funds the climate task, or raises quality of life. If not, ask why.
Press your candidate. A candidate who agrees with the three obligations should be willing to say so. Get it on the record.
If you're in office, or competing for one
Speak candidly about the problem. The current settlement is failing on debt, on climate, and on the conditions for a flourishing life. Voters know this. Naming it builds trust.
Show how the Accord is the solution. The architecture invites every coalition; the calibrated parameters are the offering. Help your colleagues, your constituents, and your country see the next fifty years honestly.
Live architecture, calculators, county-level quality-of-life data, project trackers, scenarios, scoring, and source documents at newamericanaccord.org.
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