"I see this idea is now a contest. However, the data it is applied to is not a useful one to show the desired effects. When the data pulled from a fixed linear relationship with cross correlation between the explanatory variables,…"
"Vincent, you wrote
Assuming only 40% take advantage of this easy, guaranteed 5% "return" on their money, it would generate $160 million to the IRS.
You must have meant 160 billion (given title of article)