Socialism: member capital accounts and the founder problem in numbers

Add capital-accounts.md (profit split, cash share, formula interest, payout rules, solvency test, savings protections, worked outcomes). Rewrite founder-problem.md with a discounted co-op vs conventional comparison, the risk evidence (Hall-Woodward, Hamilton), and bounded founder tools. Add founder-related measures and safeguards to the pilot pages, and renumber open problems. Co-Authored-By: Claude Opus 5.5 <[email protected]> Claude-Session: https://claude.ai/code/session_01QWPs69B8nQZjtPEUXMKzZx
2026-09-23 14:51:56 -06:00
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@@ -117,6 +117,8 @@ A useful yardstick: among the SBA's mature loan groups from 1992 to 2004, loans
 **Measures that are published but don't decide:** jobs created, wages at the bottom and top and the gap between them, revenue per worker (a rough measure of productivity), how long members stay, injury rates, and the bank's default and recovery rates. Also:

 - **Who got loans.** Approval rates and loan terms by the founders' race, gender and personal wealth. If collateral-based lending quietly shuts out the people co-ops mostly serve, it should show.
+- **Who gets the profits inside each co-op.** Profit shares, founding shares and membership approvals by race and gender, so that an in-group of early members can't quietly take most of the pool.
+- **Who founded them.** Founders' previous earnings and work histories, using linked government records where they're available, compared with the founders of the matched firms. If the strongest founders stay away ([The Founder Problem](founder-problem.md)), this is where it shows.
 - **Local effects.** Business openings and closures in the counties where co-ops were funded, so any damage to existing local businesses is visible.
 - **Results by industry**, including care work like home health and cleaning, where most US co-op members work today.