Workflow
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1
Open the cycle
One cycle is current (open or closing) at a time. Opening numbers it after the last, copies the constitution rules in, and fixes the share price. The whole organization follows the cycle's share price.
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2
Buy shares
A purchase is a whole number of shares at the cycle's price, within the per-meeting band (a minimum and a maximum). It is recorded as a contribution to the member's shares account.
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3
The loan ceiling
A member's loan ceiling is a multiple of their shares, drawn from the cycle's loan multiplier.