. Dear Friends -    I grew up in a co-operative Finnish-American ethnic community. We lived in an apartment in a co-op house, owned and managed by the 72 families residing there. We shopped in the co-op store which we were shareholders in and saved our nickeles and dimes in the co-op credit union. We survived the depression because of mutual aid and solidarity. None of us kids got involved in crime, divorce, domestic violence - none of us even got to be wheeler-deeler businessmen (neither sing sing or wall street).    I do not feel it is enough to be caring, "green", consumers avoiding firms that pollute, discriminate, or deal with oppressive regimes - or even to actively support CERES principles of environmental responsiblility or minority owned firms. That's all nice, "liberal", middle class and relatively effortless (even if we recycle our garbage).    Real responsibility comes with ownership. We have to promote shared responsibility for management policies in business through shared active ownership, let us revive the Rochdale principels of consumer co-operation in managing, distribution, and the workers control ideas of th british "guild socialists" and others in managing production. co-op America should at least discuss those ideas, to be worthy of it's name.    The 400 billion dollar scandel of the savings & loan banks occured because the original idea of the S & L's Was forgotten, ignored, buried, to be made over. In the glamour of big profits through speculation.  (remember the movie "It's a wonderful life"?)