The Dual Role of the Banks
The banks are the key turning point for access to resources. They will be staffed with both market analysts who can complete due diligence for incoming business proposals, but they will also have demographers to assist with accessing the registries of all other practitioners in any given field. (Databases will be maintained by Federal banking system.) Thus the applicant for resources will bring specific projections on resources required for his operation in the given time period, and a defined population figure for which he can commit the resources he requests.
• The banks will authorize access to the resources specified in the plan. The banks’ concerns are two-fold: the organizational and technological expertise of the proposed managers for a given proposal, and the accurate measurement of its target market. This is a critical step to prevent large-scale waste.
• “due diligence” is pursued for the Business Plans reviewed. A major component of the reviews requires “demand projections” drawn from population statistics (which the banks will keep on-line).
• identify other “entrepreneurs” interested in producing the same kinds of products. Banks will maintain registries of practitioners already practicing and also those wanting to enter the field. (This is where Trade Associations and Banks most closely integrate their professional certifications and registry services.) Manufacturers (or those in the professions or trades) wishing to participate in the same field are no longer “competitors” but “collaborators.” They need not have a formal working alliance with one another, but between them, they must assure that all naturally inclined consumers are provided the specified goods or services. In their business plans, specific organizations commit to whatever portion of the demand they have determined they can provide with the labor they can command in their site region.
Their Business Plans, however, must identify the other manufactures or professional agencies committing the other portions of the total production. Banks provide the registries whereby providers can be found, but the individual entrepreneurs make their own associations. No single product style is mandated (so independent design is sanctioned and multiple options will be offered the public). Only quality and durability goals must be met.
Again, no Central Planner or Priority Council determines these parameters. The free “market” (as represented in the Trade and Professional Associations) defines its own interests and negotiates in the Priority Industry Councils overall, national goals to be met.
• Once a manufacturing proposal (or a licensed proprietor) has been approved at a bank, the manufacturer receives an authorization identification number that he can then provide (through“sub-numerals” linked to his own approved plan) to all of his suppliers (and to new prototype winners they have agreed to mentor), to obtain resources (from the mines or other manufacturers) in the amounts designated in the business plan. “Commerce” is then initiated and sustained.
Banks (or any other regulatory agency) do not second-guess the amounts of required resources cited in Business Plans. Manufacturers or service providers are responsible for measuring the market and their portion of it. On the other hand, the Waste Management program (see below) guards against over-production or waste. (Note, also, that when orders for natural resources are placed, copies of the order are automatically forwarded to the National Resources Management Board, which allows distribution records to be maintained nationally. The Priority Industries Council can track, for future priority assessments (by means of the Authorization I.D. numbers) where resources are going–by industry and by individual provider, when needed. Thus in each subsequent year, prioritizing (and supply and demand) becomes more and more well informed. )
• For independent contractors, (lawyers or plumbers, etc) Banks provide licenses. This is to be distinguished from certification, an affirmation of appropriate expertise already determined by the Trade Associations. Bank licensing provides access to resources (an assigned I.D. number). It also monitors (and regulates) the number of providers within defined geographic regions, such that neither greatly wasteful or under-production occurs. Licenses would, presumably, be issued annually on a first-come, first-served basis until regional demand is met. Renewal of licenses would recognize professional success, through consumer feed-back mechanisms. Consumer complaints would be weighed in license renewal. A business that did not meet its target production could lose its license and its rights to access resources.