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jheapsandClaude Opus 5.5 fd04ea3886 Socialism: work out how the return on members' accounts is taxed, pay the two-point premium every year so it isn't a share of profit to capital, and credit returns after the co-op's tax so all-cash members don't pay it 
Co-Authored-By: Claude Opus 5.5 <[email protected]>
Claude-Session: https://claude.ai/code/session_01QWPs69B8nQZjtPEUXMKzZx
 2026-09-27 14:24:57 -06:00
jheapsandClaude Opus 5.5 89f73a58e4 Socialism: test the "lower-paid work" rule on 2024 federal wage data, add a national check so consultancies in rich counties don't qualify, hold half the set-aside for the lowest-paid industries, and close code, county and timing games 
Co-Authored-By: Claude Opus 5.5 <[email protected]>
Claude-Session: https://claude.ai/code/session_01QWPs69B8nQZjtPEUXMKzZx
 2026-09-27 11:27:35 -06:00
jheapsandClaude Opus 5.5 afb5330e08 Socialism: give the bank a working legal basis to ask loan applicants' race and sex, since the federal small-business data rule won't reach it, with a separate custodian, deletion and small-number limits 
Co-Authored-By: Claude Opus 5.5 <[email protected]>
Claude-Session: https://claude.ai/code/session_01QWPs69B8nQZjtPEUXMKzZx
 2026-09-27 10:53:01 -06:00
jheapsandClaude Opus 5.5 f8c1a1e813 Socialism: stop balancing the founding lottery on race and gender, set the rule that race and sex measure results but never decide who gets anything, and apply it to loan data and layoff checks 
Co-Authored-By: Claude Opus 5.5 <[email protected]>
Claude-Session: https://claude.ai/code/session_01QWPs69B8nQZjtPEUXMKzZx
 2026-09-27 10:23:30 -06:00
jheapsandClaude Opus 5.5 3b7bde0568 Socialism: sort out what a worker is owed in notice pay and severance when a co-op closes, have the insurance pool pay notice pay after unpaid wages with limits against padding, and reprice wage cover to match 
Co-Authored-By: Claude Opus 5.5 <[email protected]>
Claude-Session: https://claude.ai/code/session_01QWPs69B8nQZjtPEUXMKzZx
 2026-09-27 09:56:08 -06:00
jheapsandClaude Opus 5.5 eaac398c0f Socialism: say plainly when co-op members and officers can personally owe unpaid wages (federal law, New York, Massachusetts, California), stop ordinary work after a missed payroll, and narrow the model state law's shield so workers who aren't members keep their claims 
Co-Authored-By: Claude Opus 5.5 <[email protected]>
Claude-Session: https://claude.ai/code/session_01QWPs69B8nQZjtPEUXMKzZx
 2026-09-27 09:22:41 -06:00
jheapsandClaude Opus 5.5 a983b7b6a8 Socialism: price the savings insurance pool from Census closure rates by firm age, write out the formula that cuts limits when the reserve falls behind, and say what a young pool would pay in a bad recession 
Co-Authored-By: Claude Opus 5.5 <[email protected]>
Claude-Session: https://claude.ai/code/session_01QWPs69B8nQZjtPEUXMKzZx
 2026-09-27 05:58:04 -06:00
jheapsandClaude Opus 5.5 9dd06ff181 Socialism: make whoever carries on a failed co-op's business answer for people its products hurt later, honor warranties and household deposits, and put members' plans to keep a co-op through a market test 
Co-Authored-By: Claude Opus 5.5 <[email protected]>
Claude-Session: https://claude.ai/code/session_01QWPs69B8nQZjtPEUXMKzZx
 2026-09-27 05:25:01 -06:00
jheapsandClaude Opus 5.5 12905d5db1 Socialism: stop leases, licenses and sold invoices from carrying a co-op's business around the lock: essential leases must allow a co-op successor, sale-leasebacks count as sales, and cash advances are limited 
Co-Authored-By: Claude Opus 5.5 <[email protected]>
Claude-Session: https://claude.ai/code/session_01QWPs69B8nQZjtPEUXMKzZx
 2026-09-27 04:51:57 -06:00
jheapsandClaude Opus 5.5 acaf7f0adc Socialism: keep checking insider deals after the bank loan is repaid, as part of the lock, on the model of the federal rules for charity insiders 
Co-Authored-By: Claude Opus 5.5 <[email protected]>
Claude-Session: https://claude.ai/code/session_01QWPs69B8nQZjtPEUXMKzZx
 2026-09-27 04:19:52 -06:00
jheapsandClaude Opus 5.5 2ac3f59695 Socialism: size what the lock can cost creditors who never chose to lend, say who's covered, keep the appraisal honest, and have the co-op that buys the business pay it back 
Co-Authored-By: Claude Opus 5.5 <[email protected]>
Claude-Session: https://claude.ai/code/session_01QWPs69B8nQZjtPEUXMKzZx
 2026-09-27 00:51:18 -06:00
jheapsandClaude Opus 5.5 d96cec00c7 Socialism: say how a workers' bid for a failed co-op gets paid for, cap the bank's part at the break-up value so it can't hide its losses, and set the insurance pool's repayment terms 
Co-Authored-By: Claude Opus 5.5 <[email protected]>
Claude-Session: https://claude.ai/code/session_01QWPs69B8nQZjtPEUXMKzZx
 2026-09-27 00:20:24 -06:00
jheapsandClaude Opus 5.5 cc343b7d0c Socialism: justify the long-run rules' numbers: severance only for people let go, equipment measured at original cost, buyouts judged on the seller's book values, and cheaper second opinions for small co-ops 
Co-Authored-By: Claude Opus 5.5 <[email protected]>
Claude-Session: https://claude.ai/code/session_01QWPs69B8nQZjtPEUXMKzZx
 2026-09-26 23:52:48 -06:00
jheapsandClaude Opus 5.5 f43f418ff3 Socialism: set the bonus limits and the dismissal panel: 10% of pay in total, 15% for anyone, gain sharing even without a profit, and four of five panelists drawn by lot 
Co-Authored-By: Claude Opus 5.5 <[email protected]>
Claude-Session: https://claude.ai/code/session_01QWPs69B8nQZjtPEUXMKzZx
 2026-09-26 23:20:16 -06:00
jheapsandClaude Opus 5.5 ab39dd4a27 Socialism: set the care-work supplement at a first-draft $3 an hour with no per-worker fade-out, spell out its tax treatment, and say who can get it 
Co-Authored-By: Claude Opus 5.5 <[email protected]>
Claude-Session: https://claude.ai/code/session_01QWPs69B8nQZjtPEUXMKzZx
 2026-09-26 20:20:02 -06:00
jheapsandClaude Opus 5.5 a90ce03297 Socialism: set the spin-off numbers: a 15% stake cap counting every exposure, a real consequence for captive spin-offs, and an honest power estimate for the growth comparison 
Co-Authored-By: Claude Opus 5.5 <[email protected]>
Claude-Session: https://claude.ai/code/session_01QWPs69B8nQZjtPEUXMKzZx
 2026-09-26 19:49:50 -06:00
jheapsandClaude Opus 5.5 05c8b21632 Socialism: compare the labor-market effect with wage boards and unions, and say a wage board is the faster way to raise pay 
Co-Authored-By: Claude Opus 5.5 <[email protected]>
Claude-Session: https://claude.ai/code/session_01QWPs69B8nQZjtPEUXMKzZx
 2026-09-26 19:20:50 -06:00
jheapsandClaude Opus 5.5 cf0d45684e Socialism: test co-ops' hiring with paired fake applications, as a group, and make discrimination a loan breach at any size 
Co-Authored-By: Claude Opus 5.5 <[email protected]>
Claude-Session: https://claude.ai/code/session_01QWPs69B8nQZjtPEUXMKzZx
 2026-09-26 18:47:58 -06:00
jheapsandClaude Opus 5.5 ce844851ca Socialism: work out the local labor-market test's numbers, and say that on public data it fails its own rule 
Co-Authored-By: Claude Opus 5.5 <[email protected]>
Claude-Session: https://claude.ai/code/session_01QWPs69B8nQZjtPEUXMKzZx
 2026-09-26 18:17:19 -06:00
jheapsandClaude Opus 5.5 80501e21fd Socialism: say what members can deduct when a failed co-op wipes out their accounts, and ask for a general refund of the tax paid 
Co-Authored-By: Claude Opus 5.5 <[email protected]>
Claude-Session: https://claude.ai/code/session_01QWPs69B8nQZjtPEUXMKzZx
 2026-09-26 14:47:03 -06:00
jheapsandClaude Opus 5.5 36afaac20a Socialism: give every co-op worker an ordinary retirement plan, with a flat co-op contribution and the new federal match 
Co-Authored-By: Claude Opus 5.5 <[email protected]>
Claude-Session: https://claude.ai/code/session_01QWPs69B8nQZjtPEUXMKzZx
 2026-09-26 14:18:05 -06:00
jheapsandClaude Opus 5.5 774ea901e5 Socialism: weigh the pension-law cases on accounts like these, and pause untaxed credits until the Labor Department answers 
Co-Authored-By: Claude Opus 5.5 <[email protected]>
Claude-Session: https://claude.ai/code/session_01QWPs69B8nQZjtPEUXMKzZx
 2026-09-26 13:48:50 -06:00
jheapsandClaude Opus 5.5 e5bc9f2ba2 Socialism: say how lower-income members' untaxed credits follow the deferred-pay rules 
Co-Authored-By: Claude Opus 5.5 <[email protected]>
Claude-Session: https://claude.ai/code/session_01QWPs69B8nQZjtPEUXMKzZx
 2026-09-26 13:16:00 -06:00
jheapsandClaude Opus 5.5 f8c6b524ac Socialism: say where securities law reaches members' accounts and outside investors 
Co-Authored-By: Claude Opus 5.5 <[email protected]>
Claude-Session: https://claude.ai/code/session_01QWPs69B8nQZjtPEUXMKzZx
 2026-09-26 09:47:23 -06:00
jheapsandClaude Opus 5.5 bfca27ac66 Socialism: say how salaried staff share a cut, and keep the legal minimum wage out of workers' bids 
Co-Authored-By: Claude Opus 5.5 <[email protected]>
Claude-Session: https://claude.ai/code/session_01QWPs69B8nQZjtPEUXMKzZx
 2026-09-26 09:17:25 -06:00
jheapsandClaude Opus 5.5 22de1f885f Socialism: recompute the founder and member examples under the current rules, and pay the founding share as pay 
Co-Authored-By: Claude Opus 5.5 <[email protected]>
Claude-Session: https://claude.ai/code/session_01QWPs69B8nQZjtPEUXMKzZx
 2026-09-26 08:47:39 -06:00
jheapsandClaude Opus 5.5 fb0eede6a6 Socialism: say how a co-op cuts back when work runs short 
Co-Authored-By: Claude Opus 5.5 <[email protected]>
Claude-Session: https://claude.ai/code/session_01QWPs69B8nQZjtPEUXMKzZx
 2026-09-26 08:14:14 -06:00
jheapsandClaude Opus 5.5 c41c88f979 Socialism: say how the lock handles companies a co-op controls or buys 
Co-Authored-By: Claude Opus 5.5 <[email protected]>
Claude-Session: https://claude.ai/code/session_01QWPs69B8nQZjtPEUXMKzZx
 2026-09-26 04:44:45 -06:00
jheapsandClaude Opus 5.5 ffe6ff2963 Socialism: set the going rate for people who work remotely from another area 
Co-Authored-By: Claude Opus 5.5 <[email protected]>
Claude-Session: https://claude.ai/code/session_01QWPs69B8nQZjtPEUXMKzZx
 2026-09-26 04:14:18 -06:00
jheapsandClaude Opus 5.5 d87c8d3633 Socialism: count the old capital gains break on buyouts against the buyout track 
Co-Authored-By: Claude Opus 5.5 <[email protected]>
Claude-Session: https://claude.ai/code/session_01QWPs69B8nQZjtPEUXMKzZx
 2026-09-26 03:46:31 -06:00
jheapsandClaude Opus 5.5 7cda37be0d Socialism: give the board the last word on loans, and make every use of it public 
Co-Authored-By: Claude Opus 5.5 <[email protected]>
Claude-Session: https://claude.ai/code/session_01QWPs69B8nQZjtPEUXMKzZx
 2026-09-26 03:14:20 -06:00
jheapsandClaude Opus 5.5 9a5648b638 Socialism: draft the model state law that closes the lock's exits under state law 
Co-Authored-By: Claude Opus 5.5 <[email protected]>
Claude-Session: https://claude.ai/code/session_01QWPs69B8nQZjtPEUXMKzZx
 2026-09-26 00:14:42 -06:00
jheapsandClaude Opus 5.5 7973cb2e0c Socialism: say who can take the bank to court, what a judge can order, and where that runs out 
Co-Authored-By: Claude Opus 5.5 <[email protected]>
Claude-Session: https://claude.ai/code/session_01QWPs69B8nQZjtPEUXMKzZx
 2026-09-25 23:43:11 -06:00
jheapsandClaude Opus 5.5 7ef29c8b5a Socialism: draw the line for when turned-away applicants make the verdict "not tested" 
Co-Authored-By: Claude Opus 5.5 <[email protected]>
Claude-Session: https://claude.ai/code/session_01QWPs69B8nQZjtPEUXMKzZx
 2026-09-25 23:14:01 -06:00
jheapsandClaude Opus 5.5 45384a0709 Socialism: set the cost ceiling for help before the first loan, and count every cost against it 
Co-Authored-By: Claude Opus 5.5 <[email protected]>
Claude-Session: https://claude.ai/code/session_01QWPs69B8nQZjtPEUXMKzZx
 2026-09-25 22:41:44 -06:00
jheapsandClaude Opus 5.5 16d42cc0ef Socialism: count what buyout help really costs, and make sellers pay for their own checks 
Co-Authored-By: Claude Opus 5.5 <[email protected]>
Claude-Session: https://claude.ai/code/session_01QWPs69B8nQZjtPEUXMKzZx
 2026-09-25 22:12:25 -06:00
jheapsandClaude Opus 5.5 6dbb637c3b Socialism: update the buyout page for the SBA's October 2026 rules, and admit the gap they leave is narrow 
Co-Authored-By: Claude Opus 5.5 <[email protected]>
Claude-Session: https://claude.ai/code/session_01QWPs69B8nQZjtPEUXMKzZx
 2026-09-25 18:41:01 -06:00
jheapsandClaude Opus 5.5 c1570f0680 Socialism: say what the rules cost a small co-op, and scale the checks to size 
Co-Authored-By: Claude Opus 5.5 <[email protected]>
Claude-Session: https://claude.ai/code/session_01QWPs69B8nQZjtPEUXMKzZx
 2026-09-25 18:15:07 -06:00
jheapsandClaude Opus 5.5 8ec9cc0976 Socialism: hold buyout co-lending to real practice, and use state and rural programs without letting them hide risk 
Co-Authored-By: Claude Opus 5.5 <[email protected]>
Claude-Session: https://claude.ai/code/session_01QWPs69B8nQZjtPEUXMKzZx
 2026-09-25 17:41:59 -06:00
jheapsandClaude Opus 5.5 2747aae0d1 Socialism: firm up the buyout numbers against the SBA's own rules 
Co-Authored-By: Claude Opus 5.5 <[email protected]>
Claude-Session: https://claude.ai/code/session_01QWPs69B8nQZjtPEUXMKzZx
 2026-09-25 17:10:10 -06:00
jheapsandClaude Opus 5.5 2b31f5c219 Socialism: spell out what worker buyouts are compared against, and stop the tests flattering them 
Co-Authored-By: Claude Opus 5.5 <[email protected]>
Claude-Session: https://claude.ai/code/session_01QWPs69B8nQZjtPEUXMKzZx
 2026-09-25 13:42:16 -06:00
jheapsandClaude Opus 5.5 a196614fb4 Socialism: say how a care co-op meets Medicaid's 80% home care pay rule 
Co-Authored-By: Claude Opus 5.5 <[email protected]>
Claude-Session: https://claude.ai/code/session_01QWPs69B8nQZjtPEUXMKzZx
 2026-09-25 13:12:40 -06:00
jheapsandClaude Opus 5.5 adf8046773 Socialism: keep membership from costing care workers their public benefits 
Co-Authored-By: Claude Opus 5.5 <[email protected]>
Claude-Session: https://claude.ai/code/session_01QWPs69B8nQZjtPEUXMKzZx
 2026-09-25 12:40:54 -06:00
jheapsandClaude Opus 5.5 855f9e099d Socialism: say plainly whether a member's profit share is pay, law by law 
Co-Authored-By: Claude Opus 5.5 <[email protected]>
Claude-Session: https://claude.ai/code/session_01QWPs69B8nQZjtPEUXMKzZx
 2026-09-25 12:07:07 -06:00
jheaps 139e2b831c Merge pull request 'Socialism: make the lock hold, and close its back doors' (#125) from feature/socialism into master
Build and Deploy / build-deploy (push) Successful in 1m25s
Details 
Reviewed-on: #125
 2026-09-25 11:08:48 -06:00
jheaps 96d2dbe5ad Merge branch 'master' into feature/socialism 2026-09-25 11:08:31 -06:00
jheapsandClaude Opus 5.5 2c269d075d Socialism: pay capital accounts on a fixed schedule so they stay clear of pension law 
Co-Authored-By: Claude Opus 5.5 <[email protected]>
Claude-Session: https://claude.ai/code/session_01QWPs69B8nQZjtPEUXMKzZx
 2026-09-25 07:42:01 -06:00
jheapsandClaude Opus 5.5 7baa6e9810 Socialism: say where labor law leaves worker-owners out and how the co-op fills the gaps 
Co-Authored-By: Claude Opus 5.5 <[email protected]>
Claude-Session: https://claude.ai/code/session_01QWPs69B8nQZjtPEUXMKzZx
 2026-09-25 07:08:43 -06:00
jheapsandClaude Opus 5.5 f76b766d0e Socialism: measure founders on both sides so a pilot result says how much was down to who applied 
Co-Authored-By: Claude Opus 5.5 <[email protected]>
Claude-Session: https://claude.ai/code/session_01QWPs69B8nQZjtPEUXMKzZx
 2026-09-25 03:08:51 -06:00
jheapsandClaude Opus 5.5 aad548cd07 Socialism: name the data that decides which low-paid care work qualifies for public help 
Co-Authored-By: Claude Opus 5.5 <[email protected]>
Claude-Session: https://claude.ai/code/session_01QWPs69B8nQZjtPEUXMKzZx
 2026-09-25 02:38:30 -06:00