Switch every tax to its full rate

Every concrete action this step requires, who is responsible, and when it happens relative to enactment.

#	Action	Owner	When	Trade-off
4.5.1	Update withholding tables and Form 941 rates.	IRS	Year 4	Updating withholding at full rates matches revenue to spending but delivers the largest visible tax increase.
4.5.2	First full-year trustees report comparing actual revenue and spending against the ledger.	Trustees	End of Year 4	Comparing actuals with the ledger builds accountability but exposes any forecasting errors.
4.5.3	Apply the automatic adjustment rule if actual spending exceeds revenue by more than 3%: raise the household premium rate by up to 0.5 points, after which Congress must act.	Treasury	Year 5+	An automatic premium adjustment keeps the fund solvent but raises taxes without a vote.