ekrawczyk said:

Is the startup investments liquid?  If those investors who would receive a projected rate of return based on inflation for the last 30yrs, say 6%, decide to pull out their investments would that be allowed?  How long do investors need to commit their investments?  I remember reading somewhere that there would need to be a certain amount of average deposits by the 50 future depositors to make it work, but didn't recall any info on investment requirements.  I've been asked about this liability that some investors practice.

There is no set amount of time that investors must commit their funds for. Ten percent of every depositor's balance will automatically be held as stock. The depositor may choose a higher percentage. Our intent is that the investment funds be entirely liquid — just like deposits but with a higher return and insured only by the Common Good Bank system (with FDIC insurance on the other 90%). Every will need at least 50 depositors to qualify as a Community Division, but that minimum is mostly for stability and diversity (which affects the quality of democratic decisions).

I'm not sure I know what you mean by "this liability that some investors practice."