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What people find when they leave the system is a confusing, byzantine, and slightly scary world of health insurance, taxes, pensions, and regulations.

But the story in a lot of people’s minds is: “I know I’m supporting Monsanto and Raytheon, and I don’t like that, but I don’t know what else to do. The social index fund isn’t a great alternative. I think I’d like to really diversify, like going in on a local business.” When businesses that are values-based offer this kind of investor the chance to invest small amounts – $50?  $500?  $2,000? – plus a basis to believe they’ll get a return – they’ll go for it. I know I would.