jheapsandClaude Opus 5.5
27dd0ccb3e
Add savings-guarantee.md: a co-op-funded insurance pool covering final unpaid wages, former members' payouts and a protected slice of current accounts, priced for near-zero recovery by an independent actuary, with a credit-union-style deposit, phased coverage, pro-rata payment when short, and rules against phantom profits, early quitting and fraud rings. Co-ops may no longer take member deposits or sell members bonds. Co-Authored-By: Claude Opus 5.5 <[email protected]> Claude-Session: https://claude.ai/code/session_01QWPs69B8nQZjtPEUXMKzZx