Community Capital Development Foundation Invitation by Zen Cafes

Invitation to Participate Inclusive Capitalism Inclusive capitalism is a term composed of two complementary meanings: (1) poverty is a significant, systemic problem in countries which have already embraced or are transitioning towards capitalistic economies, and (2) companies and non-governmental organizations can sell goods and services to low-income people, which may lead to targeted poverty alleviation strategies, including improving people’s nutrition, health care, education, employment and environment, but not their political power. Inclusive Capitalism Participation – Terra Madre – UN Habitat Agricultural Trust – Sustainable Agro-Economy - AGRICOLA™ Systems Family Trust – Law & Justice - CICERO™ Systems Town & Country Systems - Design & Planning– VITRUVIUS™ Systems Social Trust- Insurance & Pensions– SATORI™ Systems Soft power is a concept developed by Joseph Nye of Harvard University to describe the ability to attract and co-opt rather than coerce, use force or give money as a means of persuasion. In recent days the term has also been used in changing and influencing social and public opinion through relatively less transparent channels and lobbying through powerful political and nonpolitical organizations. Nye coined the term in a 1990 book, Bound to Lead: The Changing Nature of American Power. He further developed the concept in his 2004 book, Soft Power: The Means to Success in World Politics. The term is now widely used in international affairs by analysts and statesmen. For example, in 2007, CPC General Secretary Hu Jintao told the 17th Communist Party Congress that China needed to increase its soft power, and the US Secretary of Defense Robert Gates spoke of the need to enhance American soft power by "a dramatic increase in spending on the civilian instruments of national security – diplomacy, strategic communications, foreign assistance, civic action and economic reconstruction and development." According to the 2013 Monocle Soft Power Survey, Germany currently holds the top spot in soft power.[1] The top ten is completed by the UK, the US, France, Japan, Sweden, Australia, Switzerland, Canada and Italy. In 2010 Annette Lu, former vice-president of the Republic of China (Taiwan), visited South Korea and advocated the ROC's use of soft power as a model for the resolution of international conflicts.[2] General Wesley Clark, when discussing soft power, commented that "it gave us an influence far beyond the hard edge of traditional balance-of-power politics."[3]

Inclusive Capitalism To realise inclusive capitalism calls for integrating the needs of The Family with the Needs of Nature and to align the Power of the Nation through Law and Justice with Family and Nature. The Stable State Governor is engaged in using the power of both to re-generate the following: Economy, Wealth Production, Revenue, Well-being, and Prosperity. For without Prosperity – Happiness is elusive – and without Happiness Stable State is but a matter of conflict – the rich versus the poor and humanity versus The Climate. It is the Language of Science – The Language of Adaptation that provides us with the tools to address Climate Change. This Transition to Low-Carbon Economy is detailed in the provision of Agricultural Systems – AGRICOLA Systems – Legal Insurance providing for access to Justice – Town & Country Systems providing for Green City Planning – Urban Design and Food Security – the whole of which can be managed by Socially Authorised Technology Operating Regulatory Insurance – SATORI. Terra firma Estate Management Principle provides the Know-How for Conservative Asset Management Principle – The Conservation of Energy and the Recycling of Resource that enables Circular Economy inform every organisation and household on the Planet. This much is provided for by Cloud Systems for Communications and Life Assurance – enabled by Subscription to Fair Trade Principles of Sustainable Technology. For either we use technology to destroy or create, conserve and save, support or extract. By use of underwriting principle and terms and conditions of insurance contract it is easy to determine to what use technology is deployed – and determine liability that attaches thereto accordingly. Thus it is indicated that Scottish & Commonwealth Insurers’ Open Network introduce the work of: 

Sustainable Agriculture

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Inclusive Capitalism

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Design and Planning for Green Cities according to the World Future Council Agro-polis model

And so provide for Food Security by linking access to insurance with Zero Carbon Pensions. The next step To work with us at Inclusive Capitalism for The Planet we introduce the work of: WWF Amigos Compassion in World Farming Visegrad Data Security Institute UN Habitat Programme

United Nations Principles of Responsible Investment Terra Firma Estate Management Principle Our priority Our priority – is through use of Howard-Higgins Agricultural Systems to licence Agricultural and Horticultural know-how with Fair Trade Technology to enable replenishment of the top soil and address food security in Town & Country. We partner investors with projects and insurers with new markets through a mix of Data Capture and Back-Office Support Systems. We enable partnership between Regional and Local Authorities with insurers and pension fund investors to tackle the provision of enterprise, legal, regulatory and justice support for individuals and their organisations. This is done through use of Arbitration Clause that addresses The Externalisation of Cost and provides for routes for redress that can be used to tackle the big scale problems that are the result of cost externalisation – pollution, toxic dumping of waste, climate change, poverty and breakdown of civil order. The economic lens through which the nation state views its place in the world is a national security issue – for it affects the standards of public services and the conditions to attract inward investment – without which economic resilience remains elusive. The Fair Trade Technology Strategy addresses Economic and Environmental Resilience through the setting up of Local Community Capital Development Foundations – endowed with resources and access to markets through the provision of services, systems, software and support from Visegrad.

Inclusive Capitalism A Diplomatic Protocol It is indicated that The Four Agreements: Legal, Social, Political and Defence Accord find their expression in a Form of Words that can be translated into an Economic Understanding that accords with Best Practice for the purposes of: Governance, Reporting, Accounting and Revenue Collection. The Expenses of Healthcare, Education, Energy and War at present fall to The State. These areas are left for State to organize in the face of competing interests from corporations and organizations – state-led, state sponsored and partisan. It is indicated that for The Global Race to Re-invent The State to be satisfactorily managed, dissemination of best practice through an Economic and Financially Sustainable Perspective be managed through the Integration of Science, Capital, Agriculture and Technology. This Unified Field Perspective thus accords: 1. Rights and responsibilities to individuals under the law 2. Provides for Corporate Public Responsibility and Corporate Policy Responsibility 3. Aligns the needs of Community with the interests of the Nation State through Open capital for Open Society 4. Aligns national interest with energy needs through the deployment of capital, technology and the integration of macro- and microscience and agro-economy in a securely defensive sustainable model that accords with the AGORA Principle for Sustainable Prosperity and Stable State Governance. These Four Agreements are managed by: SOCIAL CONTRACT 1. Access To Justice 2. Access to Healthcare 3. Access to Education 4. Investment in Energy, Infrastructure, Community Capital and Planetary Repair in line with Rio Nation accord for the \Development of Natural Capital. 5. Access to Capital 6. Integrated Banking and Insurance Services 7. Islamic-based – Insurance-based Asset Management (Five Pillars) informed by and informing The Stewardship of Natural Resource – Stewardship Economics – in line with the needs of Taoist Economy and Stable State Currency. See: Conservative Asset Management Principle. These Seven Agreements accord with Game Plan Practice and the rights and responsibilities of individuals and communities under the Earth Charter in line with the call for Universal Insurance – Statutory and Voluntary Insurance that provides for Zero Carbon Pensions – Infrastructure as an Investment – with access to Market through Transport and Enterprise.

Support Provision is by means of The Eco-polis – Agro-polis Green City Town and Country Model of World Future Council. The above – Inclusive Capitalism - is in line with UN Habitat Programme and United Nations Principles of Responsible Investment – World Health Organisation and World Wide Five Pillars Authority: Farming – Food – Finance – Fisheries and Forestry for Sustainable Manufacture and Circular Economy.

Please find attached Two Reports from Institute of Strategic Studies. By working with Architects, Investors, Conservationists and Service Providers (The Four Agreements) we can realize the integration of Financial and Natural Capital under the auspice of Integrated Banking and Insurance Services (IBIS™) and insurance-based Back-office Service Systems (IBoss™). We do so in order to enable Green City – Cultural City – Happy City to flourish through the provision of Green Finance – in accord with the Eco-polis – Agro-polis – Rio-polis™ Model of World Future Council, United Nations Principles of Responsible Investment and Rio Nation Consensus for the Development and Realisation of Natural Capital. The Way we Work The Four Agreements between Architects (Designers and Urban Planners) – Investors – Pension Funds and Insurance Companies – Conservationists and Engineers provides the basis for 1. Infrastructure As An Investment – Zero Carbon Pensions 2. Transition to Low-Carbon Economy 3. Food Security – Energy Security – Healthcare Security and Economic Security 4. The realization of Environmental and Economic Resilience through Integrated Design Plan. Details The Design Plans are held in Virtual Data Rooms – accessible to local authority planners who sign up to Conservationist and Insurers’ Protocol for Value attached to: 1. Life and Natural Systems 2. Sustainable Technology 3. Conservative Asset Management Principle (Stewardship) 4. Opportunity for all – Re-skilling – skill-share – CPD – The Regenerative Cultural Economy. This is according to Economics As If People Mattered, The Economics of Good and Evil – The Wealth of Nations and the Economics of Bio-diversity – www.teebweb.org. The next step To enable sign up to Licensed Systems for: Design and Urban Planning – see VITRUVIUS™ Systems: 1. Town & Country Estate – AGRICOLA™ Systems 2. Justice & Revenue Collection – CICERO™ Systems 3. Technology and Life Assurance – SATORI™ Systems 4. Food Security and Fertility of Top Soil – Terra Madre Foundation™. Principles and Practice of Terra Madre Systems can be found by seeing “Invitation to Greece” on the Foundation website – www.terramadrefoundation.eu.

Corporations, Vehicles, Bodies and Buildings A white Paper on Motor Vehicle Insurance De-risking The Future 21st Century Technology Its relevance and application to risk and security Reference is made at outset to the Two Papers – The Genome and The Second Machine Age. Just as advances in Genetic Science transform our understanding of medicine and by relation thereto the application of insurance to provide personalised services by subscription for Medical and Life cover – so too our understanding of insurance as Governance can be informed by the motor insurance industry. The Purpose of This Paper is to propose a Model whereby the understanding of Material and Moral Risk can be applied to enable the appropriate use of appropriate technology so as to enable central authorities de-risk their exposure to downside loss by enabling the provision of service to be had by insurance validated and enabled service providers in the areas of 1. Data security 2. Finance 3. Dispute Settlement and Mediation 4. Arbitration and Fair Trade 5. Legal and Justice Services 6. Corporate Governance 7. Accounting, Reporting, Auditing and Transparency 8. Integrated Taxation 9. Infrastructure 10. Green City IT 11. Agro-polis – Eco-polis – Rio-polis 12. Infrastructure and Zero Carbon Pensions Just as a Car is a Vehicle for potential public or Civil liability claim – so to the corporation is a vehicle whose security, safety, structure, governance, conduct and products or services expose it to claim for professional, commercial, civic or public liability. Thus it is recommended in the area of Liability Insurance that Responsible Behaviour is Rewarded and Unlicensed Behaviour Fall to the Operation of Law to regulate through appropriate imposition of Penalty. The Collection of Revenue can then be farmed to Collectors – on the basis of Integrated Data that is secured from measuring the inputs and outputs of an organisation – according to its scope of responsibility and sphere of activity and investment in nonpolluting, safe, regenerative, responsible and supportive non-extractive technology.

Just as the Responsible Corporation is a Body or Executive that requires incorporated understanding so too the human frame differs not, in its requirement for underwriting of the conjunction of material and moral risk. It is indicated that a model of The City Corporation as integrated provider of Public Service – Healthcare – Transport – Legal and Justice Services, Enterprise Support,

Education and Social Services, Housing, Energy, Facility Management and Water be matched by a model of City Governance as Conservation Activity informed by Terra Firma Estate Management Principle. This Terra Firma Estate Management Principle relies on Four Components 1. 2. 3. 4.

Terra Firma Economics Underwriting Principle – Conservative Asset Management Principle Energy for Buildings, Vehicles; Sustainable Principles of Governance and Law Data Security – the Collection, Assimilation and Application of Big Data through the Externalisation of Influence and the Leverage of Know-How - Knowledge Economy and Technology Transfer.

Which Agreement is made available through a Manufacturing Licence – Technology Transfer Arrangement and License of IP – which Two Agreements form the Spine of Green New Deal – available to licensees of Integrated Banking and Insurance Services – IBIS and Fair Trade Chambers of Commerce – Integrated Back-office Systems – IBBOS – through Visegrad Data Security Institute. The issue of National State Security – addressed in the attached document – relies for its effectiveness on the Integration of Four Elements. The following comprises a Manifesto for North-South Fair Trade Economic Partnership from East-West Synergy Institute introducing the work of selected law firms and lawyers working with insurers and auditing practices to de-risk exposure to downside loss for Central Authorities. See     1. 2. 3. 4.

Movement for Open Government Terra Firma Economics Terra Firma Estate Management Principle Terra Firma Accord – Principles and Practice to be used in conjunction with insurers’ terms and conditions for Stable State Governance. Banks and pension companies need to be tamed. It makes sense to reward responsible behaviour. Aligning Finance and Technology with National Need Serves the best interests of: Crown, (Insurance) Law and People. The above three points can be realised through appropriate use of Social Trust and Defence of the Interests of The Common Pool through Zero Carbon Pensions. Thus – in essence – pension and insurance can provide the framing partnerships of Stable State Governance through Finance and Law – contingent upon a redefinition of the partnership between the State and The Defence Industry – whereby the relationship is not about a one-way extraction of cash in return for technology – but a strategic co-operation whereby the strategic use of appropriate technology de-risks the Central Authority exposure to risk – and thereby serves to realise: 1. Best value for the taxpayer 2. Efficient use of resource 3. Stability and security for insurers and those dependent upon insurer services 4. The opportunity to realise Integrated Defence and Security in such a way as realises:

A: Value for money for manpower B: A Defence Strategy that can be replicated, licensed and franchised to those city authorities and central authorities that seek to address security from the Scientific Perspective of Actuarial Science – allied to Conservative Asset Management Principle – informed by Unified Field Perspective and addressing the Structural Challenges that face contemporary developed or developing countries. C. Namely, creating the Conditions to attract Inward Investment – Knowledge Economy and Technology Transfer – Integrated Finance – Insurance – Auditing and Reporting. D. Governance – Pensions – Integrated Taxation and Continuous Improvement based on sustainable best practice. See: Business Plan and Executive Summary – available from Visegrad Data Security Institute and Zero Carbon Pensions – in conjunction with law firm service providers, auditing partnership, accounts and law document registration – Fair Trade Chambers of Commerce – Green New Deal. This is available through the use of Integrated Banking and Insurance Services – IBIS and Integrated Back-office Systems – IBBOS – available for licence to rent through use of IP licence Green New Deal – available on application.

Strategic Policy Initiative for Conflict Resolution Swords to Ploughshares The Green City Ideal A Leadership Perspective on Currency and Enterprise Reform Countryside and Energy Regulation for Critical and Emergent Redress

We have a Model for the Green City. That model is founded on the Four Corners of Energy Security, Food Security, Economic Security and Healthcare Security (Human Capital). The Whole is underpinned by a perspective on: Services in an Age of Competitive Globalisation This story is informed by Field Experience by Leaders who are familiar with Conflict and its Resolution, The Principles and Practice of how to avoid an Ugly Situation (Economic Crisis) and how to overcome obstacles that may at first daunt appear insuperable. Introducing: www.futurepolicy.org The Field Experience that we draw on is available to speak from firsthand experience of the Principles and Practice of Strategic Decisionmaking, lessons learned from the Four Framing Considerations that are pivotal to each leader: 1. Formative influences – the people who inspire them 2. Formative experiences – the experience they underwent and the lessons learned 3. Defining moments – the circumstances and conditions that led to severe choice 4. The choices they made – the outcomes of circumstance – the values they were led by. The Eco-polis Agro-polis Model Unified Field Perspective for People and their organisations Decision-making Methodology is informed by Unified Field Perspective – namely a perspective that draws on observation and reading the situation to make practical, strategic decisions of consequence, based on the ability to oversee the outcomes and manage the consequences.

“Services in an Age of Competitive Globalisation” is based on the Four Framing Questions of Natural Law: 1. Where does this leave your organisation? 2. What steps are taken to address risk and threat? 3. What are the outcomes of positive decisions to address these risks? 4. How does one realise the rewards?

Civic Leadership Programme For organisations that invite a Speaker – we invite you to access the Civic Leadership Programme that allows for participation by your members, subscribers, users or client base. Swords to Ploughshares A contract between Dynamixx.co.uk and Royal Agricultural University To deliver: Food Security and Energy Security In line with the Eco-polis – Agro-polis Model Of World Future Council – www.futurepolicy.org Future Policy.org A Protocol for Design for Green Cities Addressing Food Security and Energy Security The intention is to create a world-wide protocol for Design and Risk management based on question and answer to support compliance systems such as www.metacompliance.com that can ensure individual and organisational compliance with insurance security terms and conditions.

The Partners 1. Food Security – FoodTrade.com 2. Energy Security – Berlin Technology Hub 3. Governance Charters and Protocols for Countries and Cities to sign up to Integrated Banking and Insurance Service (IBIS) – Barrister, Clifton – Earth Charter 4. Services and Support - Systems and Software – IDEAL NGO & Nudge Digital – Movement for Open Government 5. In line with European Green Capital Development – introducing IBAM – Insurance-backed Asset Management for Ethical Finance – Eco-polis Protocol 6. Introducing IBBOS – Insurance-based Back Office Systems for Chambers of Commerce. Conservative Asset Management Principle 7. Fair Trade Chambers of Commerce – available on a city-by-city basis as part of Green New Deal. Agreements from Iain Taylor of TLT Solicitors (Govt. Advisory Practice) Bristol. 8. In line with Stewardship Economics, Harmonic Economy, Taoist Economy and the Principles and Practice of Eco-capitalism. 9. Introducing the work of Prague Security Studies Institute 10. Produced by Institute of Strategic Policy Studies and Club of Athens. www.clubofathens.org 11. Working with insurers and finance service providers worldwide for insurance-based – (ISLAMIC – based) asset management through de-risked finance (IBIS). 12. Managed by Design Software for Integrated Building and Construction, Design, Quantification, Engineering, Energy and Security – Financially approved through Green Finance – see Vitruvian Partnerships Design & Management Consultancy in connection with participating architects, civil engineers and Fair Trade Chambers of Commerce worldwide. Urban Life – Economic Security – Governance, Design and Technology

The questions we answer are designed for Green City Designers – those who have a vested interest in prosperity in the Sustainable City – the finance service providers and insurers – the civic leaders and representatives of the people, and the people themselves, their organisations and interest groups who stand to benefit from social inclusion, and who risk being sidelined through isolation, poverty, deprivation or dysfunctional economic operation. For those who want to know more Based on the Principles of Field Leadership we enable the Paradigm Shift to Swords to Ploughshares on a city-by-city, country-by-country, region– by-region basis. There are Seven Components that enable you to make this transition successfully – 1. Governance, Principle, Charter, Protocol, Policy and Contract and Format. How can we help? These Seven Works based on lex naturalis and the Commonwealth Charter are made available for distribution worldwide direct to local authorities and mayors as well as those who can be representative of the People they serve, duly appointed and accountable and personally validated by Approval evident by their body of work, work performance and results - approval of which is a necessary condition for receipt of assistance.

This 1. 2. 3. 4. 5. 6.

assistance is brought about through the combination of: Risk Management – Insurance Finance – Investment Paradigm – Agro-Economy Model – Eco-polis – Agro-polis Governance – Swords to Ploughshares Governance Protocol – Local Agreements with Design and Finance, Risk Management and Subscription Services via local Authorities.

Our Partners We introduce: Dynamixx.co.uk – Arup – Atkins Global – Hitachi – The Scottish Government – Prague Security Studies Institute through the work of East West Synergy Institute of Strategic Studies. For The Economic Regeneration of your region – on a city-by-city basis. Infrastructure as An Investment Safe haven investment finds a home in Green City infrastructure. The shift of investment comes about from moving from a consumptive – immediate – risk –taking use of finance to a risk-averse supportive economy investment for the long term.

The clash of cultures is between banking and insurance – and stewardship of resources prevails when seen in the light of the economic case that calls to be made – not to see Children as of Economic Value – (which they are not) but to see the needs of the next-generation as of legitimate Economic Concern – which they are – if we are to live sustainably. The move then is to switch from overburdening the next-generation with education debt but to invest in the next generation through the provision of Universal Education and Healthcare which can readily be done through the medium of Pensions and Savings, Life Assurance and Insurance. For those who participate  Assistance comes in the form of money – investment to regenerate the region, provide for jobs and manufacturing, housing, conservation, healthcare and resilience in economy and environmental capital.

2. Asset backed Chambers of Commerce – set up to support individuals and their organisation provide for asset-backed local currency supported by mutual banking (credit unions) run on Integrated Banking and Insurance Software (IBIS). 3. Powered by Insurance-backed back-office systems that provides for governance of industry and enterprise, registers and licenses business for operations and insurance and provides for collection of revenues to local authority. 4. By addressing the strategic, commercial, diplomatic and financial matters in hand the Agent of Power does not concern himself or their selves with matters of politics, or economics. The understanding flows from the operation of the critical judgment – The Economics of Good and Evil – and supports that which is desirable and eliminates that which is defunct through an understanding of Gresham’s Law – an operation of Natural Law without which Stable State Economics cannot be understood, and without which understanding Stable State Prosperity does not obtain. Governance The Governance is the understanding of Unified Field Perspective based on The Art of Strategy by Sun Tzu. This is an economic defence principle that relies on the integration of Economics, Ecology and Law, is founded on Agro-Economy and Agro-Ecology as Science and is founded entirely on the military survey of Land, Terrain, People and Resource. The relationship with local economy is based on Schumacher Economics – Economics As If People Mattered and the relationship between People, Technology and Value (Currency) that is brought together through the intersection of Crown, Law and People through insurance.

The response is to the call for Inclusive Capitalism – please find enclosed a document entitled Inclusive Capitalism - Protocol. The report by Resources Future indicates that scarcity of resource is a threat to security - the which failure to address calls to be drawn to the attention of those responsible for upholding security and responding to risk. The problem is not the Free Market - it is the aggressive and unscrupulous use of money as a weapon - to bet on price rises in the event of shortage and to fail to do anything to address that which would alleviate crop failure. The issue is that indicated by the Governor of the Bank of England - that the Externalisation of Cost is a liability for which we all pay so long as integrating alternative strategies are not realised. The alternative to the Externalisation of Cost is: 1. The Realisation of Value - Triple Bottom Line Accounting 2. Appropriate Governance, Reporting, Accountability - ESG and CSR - work for professional service providers 3. The Externalisation of Influence - Leveraging Brand Value - Technology Transfer Knowledge Economy 4. The Elimination of Cost and Inefficiences through Renewable Energy Use and Investment - Zero Carbon Pensions These are The Four Agreements that underpin Sustainable Best Practice and call to be written into insurance compliance policies, documentation, governance charters, protocols and understandings - in line with The Social Contract - made available by insurers to the electorate in accord with national and/or regional agreement to The Earth Charter. Suitably qualified and ready parties can be called on to Communicate with Companies worldwide to indicate the following: 1. Liability attaches to the Externalisation of Cost 2. Refuge from liability and insurance penalty lies in undertaking appropriate Governance Charter, ESG, CSR and signature of undertaking for Statutory Insurance for Community, Environmental, Regional and National Liability – the CERN Certificate without which investment validation certificate is not possible, with loss of access to insurance cover. 3. Statutory Insurance for Corporations paves the way for Universal Insurance for Justice, Agriculture, Governance, Universality (Human Rights), Accounting Validation for Taxation Purposes and Reward (the JAGUAR Principle). 4. Universal Social Insurance accompanies: Universal Justice, Universal Healthcare, Universal Education, Universal Welfare, Integrated Taxation (through Corporation rather than individual) and Rights to Housing under UN Habitat Programme – and Habitat for Humanity.

These Four Agreements can be communicated in a letter to Ambassadors in London, and the Regulation of Trade and Settlement of Disputes can be governed by Fair Trade Certified Agreements, and access to arbitration in London and centres worldwide operating under franchise of British Justice. The whole can be governed by a mix of Statutory and Voluntary Insurance.

There are three kinds of intelligence: one kind understands things for itself, the other appreciates what others can understand, the third understands neither for itself nor through others. This first kind is excellent, the second good, and the third kind useless.

It is not open to question that, by closer co-ordination, the existing social insurance services could be made at once more beneficial and more intelligible to those whom they serve and more economical in their administration. The Social Contract An overview of the Principle Considerations, Determinant Conditions and Implications Of Contract of Social Insurance Determined by and according to Principles of Open Government Open Capital for Open Society 20. Under the scheme of social insurance, which forms the main feature of this plan, every citizen of working age contributes in his appropriate class according to the security that he needs, or as a married woman will have contributions made by the husband. Each will be covered for all his needs by a single weekly contribution on no more than two insurance documents. All the principal cash payments â&#x20AC;&#x201C; for unemployment, disability and retirement will continue so long as the need lasts, without means test, and will be paid from Social Insurance Fund built up by contributions from the insured persons, from their employers, if any, and from the State. This is in accord with two views as to the lines on which the problem of income maintenance should be approached.

21. The first view is that benefit in return for contributions, rather than free allowances from the State, is what the people of Europe desire. This desire is shown both by the established success of compulsory insurance, and by the phenomenal growth of voluntary insurance against sickness, against death and for endowment, and most recently for hospital treatment. Men should be either treated generously or destroyed, because they take revenge for slight injuries - for heavy ones they cannot.

It is shown in another way by the strength of popular objection to any kind of means test. This objection springs not so much from a desire to get everything for nothing, as from resentment at a provision which appears to penalise what people have come to regard as the duty and pleasure of thrift, of putting pennies away for a rainy day. Management of oneâ&#x20AC;&#x2122;s income is an essential element of a citizenâ&#x20AC;&#x2122;s freedom. Payment of a substantial part of the cost of benefit as a contribution irrespective of the means of the contributor is the firm basis of a claim to benefit irrespective of means. 22. The second view is that whatever money is required for provision of insurance benefits, so long as they are needed, should come from Insurance to which the recipients have contributed and to which they may be required to make larger contributions if the Insurance proves inadequate. The plan adopted since 1930 and sometimes suggested for should take this burden off contribution down, is wrong

in regard to prolonged unemployment prolonged disability, that the State insurance, in order to keep the in principle.

The insured persons should not feel that income for idleness, however caused, can come from a bottomless purse. The Government should not feel that by paying doles it can avoid the major responsibility off seeing that unemployment and disease are reduced to the minimum. The place for direct expenditure and organisation by the State is in maintaining employment of the labour and other productive resources of the country, and in preventing and combating disease, not in patching an incomplete scheme of insurance. 23. As part of The Social Contract between electorate and elected The Elected State cannot be excluded altogether from giving direct assistance to individuals in need, after examination of their means. However comprehensive an insurance scheme, some, through physical infirmity, can never contribute at all and some will fall through the meshes of any insurance. Men should be either treated generously or destroyed, because they take revenge for slight injuries - for heavy ones they cannot.

The making of insurance benefit without means test unlimited in duration involves of itself that conditions must be imposed at some stage or another as to how men in receipt of benefit shall use their time, so as to fit themselves or to keep themselves fit for service; imposition of any condition means that the condition may not be fulfilled and that a case of assistance may arise. Moreover for one of the main purposes of social insuranceprovision for old age or retirement-the contributory principle implies contribution for a substantial number of years; in the introduction of adequate contributory pensions there must be a period of transition during which those who have not qualified for pension by contribution but are in need have their needs met by assistance pensions. National assistance is an essential subsidiary method in the whole Basis of Social Security, and the work of the Assistance Board shows that assistance subject to means test can be administered with sympathetic justice and discretion taking full account of individual circumstances. But the scope of assistance will be narrowed from the beginning and will diminish throughout the transition period for pensions. The Basis of social insurance is designed of itself when in full operation to guarantee the income needed for subsistence in all normal cases. The Basis is described as a scheme of insurance, because it preserves the contributory principle. It is described as social insurance to mark important distinctions from voluntary insurance. In the first place, while adjustment of premiums to risks is of the essence of voluntary insurance, since without this individuals would not of their own will insure, this adjustment is not essential in insurance which is made compulsory by the power of the State. In the second place, in providing for actuarial risks such as those of death, old age or sickness, it is necessary in voluntary insurance to fund contributions paid in early life in order to provide for the increasing risks of later life and to accumulate reserves against individual liabilities. The State with its power of compelling successive generations of citizens to become insured and its power of taxation is not under the necessity of accumulating reserves for actuarial risks and has not, in fact, adopted this method in the past. The second of Men should be either treated generously or destroyed, because they take revenge for slight injuries - for heavy ones they cannot.

these two distinctions is one of financial practice only; the first raises important questions of policy and equity. Though the State, in conducting compulsory insurance, is not under the necessity of varying the premium according to the risk, it may decide as a matter of policy to do so. 24. When State insurance began in Britain, it was felt that compulsory insurance should be like voluntary insurance in adjusting premiums to risks. This was secured in health insurance by the system of Approved Societies. It was intended to be secured in unemployment insurance by variation of contribution rates between industries as soon as accurate valuation became possible, by encouragement of special schemes of insurance by industry, and by return of contributions to individuals who made no claims. In the still earlier institution of workmenâ&#x20AC;&#x2122;s compensation, adjustment of premiums to industrial risks was a necessary consequence of the form in which provision for industrial accidents was made, by placing liability on employers individually and leaving them to insure voluntarily against their liability. In the years since 1912, there has been an unmistakable movement of public opinion away from these original ideas, that is to say, away from the principle of adjusting premiums to risks in compulsory insurance and in favour of pooling risks. This change has been most marked and most complete in regard to unemployment, where, in the general scheme, insurance by industry, in place of covering a large part of the field, has been reduced to historical exceptions; today the common argument is that the volume of unemployment in an industry is not to any effective extent within its control; that all industries depend upon one another, and that those which are fortunate in being regular should share the cost of unemployment in those which are less regular. The same tendency of opinion in favour of pooling of social risks has shown itself in the views expressed by the great majority of witnesses to the present Committee in regard to health insurance. In regard to compensation for the insurance excluded, the argument has been put by The Conservation and Renewable Energy Men should be either treated generously or destroyed, because they take revenge for slight injuries - for heavy ones they cannot.

Sectors that since other industries cannot exist without Energy and Natural Resource, they have proposed that dues from local Conservation and Renewable Energy Asset Management Funds (CREAM revenues, rather than fall to The State, should bear the cost of otherwise excluded industrial accidents and disease in areas that would otherwise fall to State cost. 26. There is here an issue of principle and practice on which strong arguments can be advanced on each side by reasonable men and women. But the general tendency of public opinion seems clear. After trial of a different principle, it has been found to accord best with the sentiments of the British people that in insurance organised by the community by use of compulsory power, each individual should stand in on the same terms; none should claim to pay less because he is healthier or has more regular employment. In accord with that view, the proposals of the Report mark another step forward to the development of State insurance as a new type of human institution, differing both from the former methods of preventing or alleviating distress and from voluntary insurance. The term â&#x20AC;&#x153;social insuranceâ&#x20AC;? to describe this institution implies both that it is compulsory and that men and women stand together with their fellows to address the needs of the next generation, the excluded and the needs of the environment. The term implies a pooling of risks except so far as separation of risks serves a social purpose. There may be reasons of social policy for adjusting premiums to risks, in order to give a stimulus for avoidance of danger, as in the case of industrial accident and disease. There is no longer an admitted claim of the individual citizen to share in national insurance and yet to stand outside The Social Contract, keeping the advantage of his individual lower risk whether of unemployment or of disease or accident.

Men should be either treated generously or destroyed, because they take revenge for slight injuries - for heavy ones they cannot.

Fifth Estate A Methodology for: Data Capture Community Engagement Addressing Climate Change Inclusive Capitalism Green New Deal Fifth Estate Research & Data Collection provides a service for:  Insurers  Local Authorities  Universities  Regional & National Government In order to: Realise the Principles and Practice of Community Engagement. The Work We Do We provide for Knowledge Economy and Technology Transfer through enabling insurers and pension funds, infrastructure investors and financial service providers partner with local and regional authorities to create the conditions to attract inward investment. The Way We Work The Way We Do this is through The Four Agreements: 1. Protocol for Open Government – Reporting – Accounting – Governance and Fair Trade as conditions of inward investment 2. Commitment to United Nations Principles of Responsible Investment 3. Commitment to Principles of Conservation of Natural Resource, Stewardship of Asset – Asset Management according to principles of Circular Economy 4. Terms and Conditions of Agreement Fair Trade Insurance We work with insurers and local authorities, universities and regional and national government in: 1. Integrating the Science to address Climate Change 2. Realising Practical Strategies to bring about transition to low-carbon – economy 3. Enabling insurers to de-risk their exposure to downside loss as a result of exposure to Climate Change 4. Enabling insurers and energy providers to realise effective returns through use of Strategic Investment in Community-owned Renewable Energy.

Those whose work we introduce We introduce the work of: Inclusive Capitalism, WWF, Grantham Institute and Royal Economic Society to provide a coherent, effective and compelling vision for engaging in sustainable activity, community capital development, transition to lowcarbon activity and engagement in Fair Trade. We do so through our strategy for engaging with local authorities, regional and national government, universities and investment service providers that is part of the 5th Estate Community Engagement Methodology that relies on Data Capture, Assimilation of Big Data â&#x20AC;&#x201C; Customer Relationship Management and Policyholder Service in the context of New Business Development.

Science is the great antidote to the poison of enthusiasm and superstition. Adam Smith

The Black Hole at the Centre of Economy The Story of the Four Horsemen And How The Economics of Good and Evil Saw its Way Out of a Black Hole Ref: Sedlacek Economics as If People Mattered The Wealth of Nations Club of Athens.org And Club of Budapest The Story at the Centre of 21st Century Economy is the Story of How Those With The Casino Bet and Win on the House always Winning. That the odds are against the punters is the component of what makes the casino industry so mighty and profitable. The rules that enabled the international banking funds to derive benefit from the misery of Greece are now dispatched thanks to a European Binding Court Ruling that Short-selling of currency is possibly disallowable. This paves the way for economic repair. It is worth looking at the historic causes of the black hole of economy that sees Greek prosperity eroded – washed away by the river-flood flow of currency funds – washed out to sea, to be returned on the shore once more only by the turn of the tide. The Black Hole at the Centre of economy is occasioned by Two Factors – pulling apart in Four Directions – The Four Horsemen of the Apocalypse – 1. The Failure to integrate macro- and microunderstanding of the economy – 2. Failure to reconcile risk-averse decision making (insurance) with risk-taking mentality (enterprise/ banking) to create a balanced perspective to undertaking of entrepreneurial activity – investment – insurance and pensions. 3. Thus we see the Economy pulled apart by four competing forces – macro and micro intent – banking and insurance. 4. The exposure to loss is faced not just by insurers but by governments and governors – security and civilian services required by the norms of Enterprise, Development, Law and Self-Preservation to “keep it all together”. 5. The Culprit for this scenario is man-made. Blind attachment to a false idol “the externalization of costs” creates the false feeling of certainty that one can be richer only at the expense of another. The call for clean water, fresh air, fertile soil and bio-diversity is ignored in the face of demands from quarterly reports to run harder to stay in the same place. 6. See: Services in an age of Competitive Globalisation. Hope is definitely not the same thing as optimism. It is not the conviction that something will turn out well, but the certainty that something makes sense, regardless of how it turns out. Vaclav Havel

Lying can never save us from another lie. Vaclav Havel

Science is the great antidote to the poison of enthusiasm and superstition. Adam Smith

7. To address the issue it is necessary to integrate risk-taking activity (enterprise) by appropriate Conservative Asset Management Principle – or Currency Insurance Management Principle in Action – Natural Order. 8. It suffices to take an integrative view of macro- and microunderstanding of economy – which is had by looking at the smallest unit of economic organization – the household – or – oikos – the which provides the route for an understanding of Economy and Ecology in line with the observations of www.teebweb.org for Economics, Ecology and Law, the integration of which three – Insurance, Law and People is Fair Trade. 9. Thus we see the components of Stable State Governance – founded as that is on an understanding of and application of Stable State Economics – realized through Stable state Currency Management – Fid: Def – without which Stable state Currency – Stable State Prosperity does not obtain. 10. Without which stable State Prosperity – Stable State Governance is open to downside loss – which exposure is an insurance risk that falls to insurers to pick up the tab for when central funding coffers run dry. 11. This insurance exposure to risk is dealt with a conjunction of Four Methodologies:  Unified Field Perspective  Conservative Asset Management Principle  Zero Carbon Pensions  Risk Assessment and Risk Management – Underwriting and Policy Terms and Conditions. The Fifth Element to underpin these Four agreements is Principle – led rule making – Lex Naturalis – founded on a Three Fold Logic Dynamic of Insurance – Law and People – which Fourth Dimension is Meaning – the significance of action the which is indicative of sound or unsound, useful or useless – which ready rule of thumb provides a risk assessment critique for the modern-day surveyor of Estate. The whole – thus run on Terra Firma Economics and managed according to Terra Firma Estate Management Principle – provides what only Terra Firma Can. That is, namely. a basis on which to proceed for continued future prosperity – the reasonable basis of which is the constituent of Happiness – the Greatest Felicity of the Greatest Number according to John Stuart Mill – Utilitarianism. Which Felicity is designed according to the requirements of human-scale – according to Vitruvius – for Facility Management of 21st Century – according to Principles of Underwriting.

Hope is definitely not the same thing as optimism. It is not the conviction that something will turn out well, but the certainty that something makes sense, regardless of how it turns out. Vaclav Havel

Lying can never save us from another lie. Vaclav Havel

Science is the great antidote to the poison of enthusiasm and superstition. Adam Smith

Lying can never save us from another lie. Vaclav Havel

Science is the great antidote to the poison of enthusiasm and superstition. Adam Smith

Lying can never save us from another lie. Vaclav Havel

Science is the great antidote to the poison of enthusiasm and superstition. Adam Smith

Lying can never save us from another lie. Vaclav Havel

Before you finish eating your breakfast this morning you've depended on half the world. This is the way our universe is structured? We aren't going to have peace on earth until we recognise this basic fact. Martin Luther King Jnr

Technology The Technologies of Transition The Technologies of Transition are: 

Communications – SATORI Systems™



Housing



Energy



Economic - Real & Virtual Enterprise Networks – RAVEN Systems™



Transport - Technology Access and its Transfer Rights



Agriculture



Healthcare

These above 7 CHEETAH ™Agreements for license to access next-generation technologies are available: 1. In the context of Food & Water and Conservation conditions in line with the accord of RIO Nations for the development of Natural Capital. 2. Access to the Technologies of Transition facilitating access to Natural Conditions for Economic and Environmental Resilience are designed to be made available under license by Appropriately Governed Regional or National Asset Managers for the purposes of the Creation of Community Capital - in line with the call for Law and National Defence – LAND Systems informed by Estate Management Principle of Terra Firma™. 3. These License Agreements are available from Scottish and Commonwealth Insurers’ Open Network – - “Holding Asset and IP in the interests of The Common Pool and disseminating best practice in the interests of Fair Trade, Justice, Accounting, Transparency, Governance and Democratic Accountability” See: AGORA™ Principle – Open Capital for Open Society. 4. Town & Country Systems are available for participation and investment by those who commit to Fair Trade – Triple Bottom Line Accounting – Environmental and Social Governance and Corporate Public Responsibility – CPR – in line with Arbitration Clause as part of a Fair Trade Legal Agreement. An arbitration clause is a clause in a contract that requires the parties to resolve their disputes through an arbitration process. Although such a clause may or may not specify that arbitration "If you are neutral in situations of injustice, you have chosen the side of the oppressor. If an elephant

has its foot on the tail of a mouse and you say that you are neutral, the mouse will not appreciate your neutrality. Archbishop Desmond Tutu

occur within a specificjurisdiction, it always binds the parties to a type of resolution outside of the courts, and is therefore considered a kind of forum selection clause. In the United States, the federal government has expressed a policy of support of arbitration clauses, because they reduce the burden on court systems to resolve disputes. This support is found in the Federal Arbitration Act, which permits compulsory and binding arbitration, under which parties give up the right to appeal an arbitrator's decision to a court. In Prima Paint Corp. v. Flood & Conklin Mfg. Co., the U.S. Supreme Court established the "separability principle", under which enforceability of a contract must be challenged in arbitration before any court action, unless the arbitration clause itself has been challenged.

Governance The investment in Town and Country Systems is in line with UN Principles of Responsible Investment – UN Habitat Programme and UN Convention on the Rights of the Next Generation. For while children may have no economic value – the interests and needs of the next generation are of legitimate economic concern for those who would seek to realise Safe Haven Investment to serve the needs of current and future interest. Town & Country Systems – provide – in conjunction with Scottish & Commonwealth Insurers’ Open Network: 1. Agency to invest in Farm-produced Commodities based on Sustainable Agricultural Method and Technology. 2. Agency to deliver Produce of said Farmland to local markets – churches – orphanages – schools and hospitals in rural centres in Africa – Asia – Latin America and elsewhere through the medium of Distribution and Logistics Co-ops who govern Access to Market of Produce of Private – Social Trust Investment. 3. The Public -Private – Social Trust Investment is Governed by Four Considerations a. The need to produce a return on investment. b. Balanced by the need to safeguard the interests of the Common Pool. c. The right and need to engage in Knowledge Economy for the dissemination of best practice and the development of community capital. d. The right and need to govern its affairs in such manner and such wise as may be deemed proper, fit and accountable to govern its own affairs in accord with established constitution for the generation of wealth, the settlement of disputes and maintenance of security and the realisation of revenue in accord with the needs of the Common Weal as indicated by Charter and provided for by LAND Management Systems in accord with the principles and practice of Terra Firma Estate "If you are neutral in situations of injustice, you have chosen the side of the oppressor. If an elephant

has its foot on the tail of a mouse and you say that you are neutral, the mouse will not appreciate your neutrality. Archbishop Desmond Tutu

Management Principle for the maintenance of Harmony between Man and Land, Family and Nature, Technology and Investment – Climate and Justice. 4. Investment in Town and Country Systems is available to savers, investors, pension funds and life assurance companies through SATORI Systems™.

Investment & Insurance 1. Fair Trade Economic Foundation ensures North-South Co-operation through Direct Investment in Sustainable Agriculture through Howard-Higgins Agricultural Systems™ and Scottish & Commonwealth Insurers’ Agency. 2. Individuals and their organisations are invited to subscribe to dispute resolution services based on addressing the Externalisation of Cost – without which such cover as may be facilitated by insurance they render themselves exposed to claims of public, civic, professional and public liability. 3. Arbitration clauses enable arbitration in London or other such centre or centres as may be established for the provision of supervision of dispute and settlement of conflict as may from time to time be variously established according to appropriate international jurisdiction. 4. Social Contract may be thus made effective by appropriate insurers for the provision of food security, energy security, environmental and economic resilience in line with the needs of The Common Pool and accordance with the UN Habitat Programme – World Future Council and Rio Nations in accord for the development of Natural Capital. Commodity Production and Distribution through Town & Country Systems is in accord with the needs of The Common Weal. Fair trade is an organized social movement whose stated goal is to help producers indeveloping countries achieve better trading conditions and to promote sustainability. Members of the movement advocate the payment of higher prices to exporters, as well as higher social and environmental standards. The movement focuses in particular on exports from developing countries to developed countries, most notably handicrafts,coffee, cocoa, sugar, tea, bananas, honey, cotton, wine,[1] fresh fruit, chocolate,flowers, and gold.[2] The movement seeks to promote greater equity in international trading partnerships through dialogue, transparency and respect. It promotes sustainable development by offering better trading conditions to, and securing the rights of, marginalized producers and workers in developing countries.[3] Although no universally accepted definition of 'fair trade' exists, Fairtrade labelling organizations most commonly refer to a definition developed by FINE, an informal association of four "If you are neutral in situations of injustice, you have chosen the side of the oppressor. If an elephant

has its foot on the tail of a mouse and you say that you are neutral, the mouse will not appreciate your neutrality. Archbishop Desmond Tutu

international fair trade networks (Fairtrade Labelling Organizations International, World Fair Trade Organization (WFTO), Network of European Worldshops and European Fair Trade Association (EFTA)): fair trade is a trading partnership, based on dialogue, transparency, and respect, that seeks greater equity in international trade. Fair trade organizations, backed by consumers, are engaged actively in supporting producers, awareness raising, and in campaigning for changes in the rules and practice of conventional international trade.[4] The movement is especially popular in the UK where there are 500 Fairtrade Towns, 118 Fairtrade universities, over 6,000 Fairtrade churches, and over 4,000 UK schools registered in the Fairtrade Schools Scheme.[7] In 2011, over 1.2 million farmers and workers in more than 60 countries are engaged in Fair Trade, and â&#x201A;Ź65 million in Fairtrade premium was paid. According to Fairtrade International, nearly six out of ten consumers have seen the Fairtrade mark and almost nine in ten of them trust it.[8]

"If you are neutral in situations of injustice, you have chosen the side of the oppressor. If an elephant

has its foot on the tail of a mouse and you say that you are neutral, the mouse will not appreciate your neutrality. Archbishop Desmond Tutu