FREQUENTLY ASKED QUESTIONS

AIP is a comprehensive economic framework designed to transition humanity from zero-sum economics (where someone must lose for another to win) to positive-sum economics (where everyone wins through accountability).

It achieves this through four levels of accountability: Personal, Corporate, Government, and Alliance.

AIP is neither. It's a third way based on accountability:

• Unlike socialism: No government ownership of production. Private enterprise thrives. Corporate profits increase 360%.
• Unlike pure capitalism: Built-in accountability prevents exploitation. Workers share in productivity gains. No race to the bottom.

The key innovation is that accountability mechanisms make cheating extremely difficult, so everyone wins by playing fair.

The GRT replaces all federal income taxes with a simple point-of-sale collection:

• Year 1: 13.2% on all transactions
• Year 10: Drops to 7.0%
• Year 70+: Drops to 2.5% permanent

Benefits: No tax filing, no audits, no evasion possible, no compliance burden. Collection happens automatically at point of sale.

It stays flat. Raising taxes during a recession deepens the downturn. AIP includes a $2T Stability Reserve:

• Crisis hits: Reserve funds emergency spending (rate unchanged)
• Recovery begins: Small +0.3-0.5% surcharge rebuilds reserve over 7 years
• Rule: Reserve MUST be depleted before any rate increase

This makes GRT counter-cyclical rather than pro-cyclical—stabilizing the economy instead of amplifying downturns.

Universal healthcare is phased in over 3 years:

• Year 1: 28M currently uninsured covered immediately
• Year 2: Expansion to underinsured populations
• Year 3: Full universal coverage

Cost: $3.5T/year, fully funded through GRT revenue and efficiency gains. Zero copays, zero deductibles, zero medical bankruptcies.

Currently: 530,000 American families go bankrupt from medical bills every year.

Under AIP: Zero. Universal coverage with no out-of-pocket costs eliminates this entirely by Year 3.

Workers see +160% purchasing power over 30 years through:

• GRT credits/debits (-10.5% bonus when wages track productivity; +10% penalty when wages lag output)
• Elimination of income tax filing
• Universal healthcare, education, and retirement security
• Stability Account accounts ($25K at birth → $1.89M at retirement)

Corporate profits increase 360% over 30 years through:

• Larger markets (730M Alliance consumers vs 331M today)
• Richer customers (+160% worker purchasing power)
• Healthier, more productive workforce
• Minimal compliance burden (no tax filings, audits, or accounting complexity)
• Declining GRT rate (13.2% → 7.0% → 2.5%)

No. AIP closes the "Buy, Borrow, Die" loophole:

• Asset-backed loans > $1M: GRT applies to proportional unrealized gains
• Death: Full realization event—no step-up basis for heirs

Under current law, billionaires can borrow against stock, spend the loan, and pass wealth to heirs with gains never taxed. Under AIP, all gains are eventually taxed—either when borrowed against or at death.

Current trajectory: $35T debt growing $1T every 100 days.

Under AIP: Debt eliminated entirely by Year 40 through balanced budgets every year. First time debt-free since 1835.

Stability Accounts create a structural floor on market declines.

• $25K × 3.6M births = $90B/year mandatory buying pressure
• Dollar-cost averaging at scale—buys more shares during dips
• No panic selling (accounts locked until 65)
• Predictable demand unlike retail emotion

Norway's $1.4T sovereign fund demonstrates this: continuous buying during downturns stabilizes markets and accelerates recovery. The 6.88% return assumption already includes historical volatility plus this structural stabilization.

This is what transformation requires: Price adjustments as GRT embeds, workforce shifts as obsolete industries restructure. But the benefits arrive immediately:

• +26% purchasing power absorbs price adjustments
• 28M uninsured get immediate coverage
• Medical bankruptcies begin declining immediately

The alternative—530K bankruptcies annually, $180T debt trajectory, system collapse—is worse. This is the best of difficult options.

Workers transition. Extraction business models end.

Tax preparation exists because the code is 6,871 pages—not because it adds value. Insurance administration exists to deny claims—not to heal people. These industries only exist because the system is broken.

• ~1 million affected workers receive 6-month severance
• Retraining covered for new career paths
• Job placement in growing sectors (healthcare delivery, education, infrastructure)
• Accountants still account. Administrators still administrate. Just not for extraction.

Budget allocation: $45B Year 1 for worker transition support.

The Alliance is hemispheric cooperation that grows the AIP market:

• Year 1: 331M US citizens
• Year 30: 730M citizens across participating nations

$100B/year Development Fund creates prosperity at source, reducing migration from 2M/year to 400K through opportunity, not walls.

AIP is currently seeking expert review from:

• Macroeconomists
• Public finance experts
• Healthcare economists
• Constitutional lawyers

This framework is published openly for public critique. We welcome challenges to our assumptions and projections—the math should withstand scrutiny.

We're transparent about risks:

• Political viability: 40-50% probability of passage with proper execution
• GRT evasion: Point-of-sale collection minimizes but doesn't eliminate risk
• Healthcare costs: $3.5T estimate has ±15% uncertainty
• Transition disruption: Some industries will face significant change

Each risk has documented mitigation strategies in the full framework.