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“Anarchism’s principal target is the authoritarian state (capitalist or socialist); it’s principal moral-practical theme is cooperation (solidarity, mutual aid).”

-Ursula K. le Guin

“I would rather be accused of breaking precedents than breaking promises.”

-John F Kennedy

“The world is kept alive only by heretics: the heretic Christ, the heretic Copernicus, the heretic Tolstoy. Our symbol of faith is heresy.”

-Yevgeny Zamyatin

# **Background**

# **Why no un(der)collateralized loans just yet?**

# Why Now?