The IRS processed ~161 million individual returns in FY 2024, with ~93% e‑filed. Typical professional prep fees for a basic 1040 + state hover around $220–$323, which prices out many simple filers.

The U.S. has ~42.5 million renter households. The typical deposit is about $750, yet nearly 1 in 4 renters report getting none of their deposit back and only 40% get the full amount—leaving tens of millions dealing with partial or total non‑return each year. That's a massive, recurring, small‑dollar legal problem that statutes in many states make relatively straightforward to resolve.

U.S. employers announced 946,426 job cuts year‑to‑date in 2025—the highest since 2020—so severance terms matter. While surveys show 58–90% of employers offer severance, only 22% have formal policies. And if the severance bundles mandatory arbitration, workers historically win ~19% of cases in arbitration vs. ~36% in federal court—so the details you sign can halve your leverage.