Jessica Alveraz struggled at an Ivy League university despite her parents paying an exuberant amount for tuition and donations.

  "Your scores are quite low, Jessica," said a school counselor.

  "I know!" She frowned. "Am I stupid?"

  "Not at all, Jessica. Just not implanted."

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  "Isn't that illegal?"

  "Not anymore. Congress passed a law permitting implants with a clause."

  "Oh, I didn't hear about that. What's the clause?"

  "Here's the form. You agree to pay a monthly tax."

  "One-third of my family's income?"

  "Yes."

  "What does this mean right here? PTW tax?"

  "Pay to win. It helps fund the national UBI initiative."