1. The document outlines a model for eco-capitalism involving green finance from insurers and pension funds to fund infrastructure projects through partnerships with local authorities. 2. Capital is raised from investors seeking safe investments and matched to projects by insurers, who de-risk projects through licensing and technical requirements. 3. Returns from projects create stable income to fund community projects like regeneration, transport, and renewable energy according to principles of stable state economics.

1. Howard-Higgins Agricultural Systems
If the goal of the kingdom (or in this case, the corporation) is to survive and
prosper, then what is the goal of its strategy? Sun Tzu offers this advice:
“Your aim must be to take All-under-Heaven intact. Thus your
troops are not worn out and your gains will be complete. This is the
art of offensive strategy.”
Schumacher Capital Partners 2012
This is the over-arching principle of the great Chinese philosopher-general;
the greatest victory is the one you win without having to fire a shot, i.e. you are
so well-prepared on the pathway to war, that your enemy declines combat.
Association of British Insurers and Lloyd’s are hereby informed of Model for Eco-capitalism.
Green Finance from Schumacher Capital Partners and Red Dragon Partnerships works on the basis of
The Four Agreements.
1. Capital funds are raised from investors and markets
seeking a safe haven for their investment.
2. Capital and projects are matched by insurance
brokers working with ABI and Lloyd’s on a national
basis according to the country of project,
development, initiative or undertaking.
3. Because the money is debt-free finance AND
because the money is used for Bottom-up Funding
the returns create a stable RENTAL income that can
be used to create an annuity or perpetuity from the
community project – that may be a community
regeneration project, transport, city initiative,
community energy project, hospital, school or other
infrastructure project based on Stable State
Economics – Economics As If People Mattered.
4. The insurance company MATCHES Capital with Project and de-risks the project by providing:
Licensing, technical specification requirements, validation and registration for the purposes
of fulfilling insurance terms and conditions for: protection of bio-diversity – habitat
protection, defence of natural resources and transition to low-carbon technology.
5. See: Stern Report and Resources Futures – a Report by the Royal Institute for International
Affairs – Chatham House
6. The transition to low-carbon technology AND the use of Green Finance – Bottom Up Funding
For Economic Resilience – “Buffer Economy” provide a useful strategy for insurers to act in a
concerted commercial way to respond to global risk – See Global Risks Report – World
Economic Forum.
7. By overseeing Public Works in the areas of: Security, Transport, Energy, Agriculture,
Licensing, Training and Healthcare the Insurers and Pension Funds can apply the principles of
Pure Science, Pure Reason, Pure Logic and Pure Maths (actuarial science) to the application
and delivery of relevant sustainable insurance products and services tailored to meet the
needs of: a/city development b/rural development c/Town & Country Planning and

2. Howard-Higgins Agricultural Systems
If the goal of the kingdom (or in this case, the corporation) is to survive and
prosper, then what is the goal of its strategy? Sun Tzu offers this advice:
“Your aim must be to take All-under-Heaven intact. Thus your
troops are not worn out and your gains will be complete. This is the
art of offensive strategy.”
Schumacher Capital Partners 2012
This is the over-arching principle of the great Chinese philosopher-general;
the greatest victory is the one you win without having to fire a shot, i.e. you are
so well-prepared on the pathway to war, that your enemy declines combat.
d/sustainable development in line with the needs of customer-centric marketing and
services (human-scale development) to serve the Transition to Low-carbon Economy-
Transition Economy and Eco-capitalism.
The Four Agreements
Insurers work with:
1. Green Finance Providers
2. Public Works Contractors engaged in security
and renewable energy (e.g.) defence companies
3. Insurers partner with local authorities and
regional or national government to accord with
the call for sustainable economic regeneration
and TAX collection.
4. Insurers and Pension Funds accord with the call
to accord Rights to Nature and the development
of Soil Capital – Natural Capital – in line with the
Eco-polis agro-polis Model Food For Cities based
on the intersection of Science, Capital,
Agriculture and Technology that is at the centre
of The Four Agreements between:
5. New Directions Foundation
6. Royal Agricultural College Cirencester
7. Red Dragon Partnerships – investment from: China, Germany, Switzerland and Brazil
8. Howard-Higgins Agricultural Systems for re-mineralisation of top soil degraded by
Industrial agriculture. The Howard-Higgins Model provides a politically, economically,
socially and logistically coherent, robust and resilient methodology for:
 Latin American Countries
 Africa
 The Far East
 The Mediterranean
 North America
 Australasia
 Northern and Central Europe

3. Howard-Higgins Agricultural Systems
If the goal of the kingdom (or in this case, the corporation) is to survive and
prosper, then what is the goal of its strategy? Sun Tzu offers this advice:
“Your aim must be to take All-under-Heaven intact. Thus your
troops are not worn out and your gains will be complete. This is the
art of offensive strategy.”
Schumacher Capital Partners 2012
This is the over-arching principle of the great Chinese philosopher-general;
the greatest victory is the one you win without having to fire a shot, i.e. you are
so well-prepared on the pathway to war, that your enemy declines combat.
to feed their towns and cities, providing for energy security and food security and de-
risking the effects of rising food prices exacerbated by global shortages and financial
uncertainty.
9. Zero Carbon Pensions, Healthcare, Energy and Chambers of Commerce Strategy
Integrate this model around long-term needs, welfare, security and prosperity.
10. The above model from Schumacher Capital Partners is based on Stable State Economics,
Stable State Currency – the reversal of Gresham’s Law – Stable State Prosperity in the
interests of Stable State Governance.
Memoranda
Memoranda of Understanding and Contractual
Understandings are available for individual
insurance companies and pension funds to
partner with local and regional government on
the basis of:
1. De-risking transition to low-carbon
Economy
2. Economic Regeneration
3. Food for Cities
4. Zero Carbon Pensions
Methodology: the provision of infrastructure
project funding overseen by those familiar with
risk assessment, risk management and risk
evaluation - available through Schumacher
Capital Partners.
For those who want to Know More
New Directions Foundation is a management consultancy with a trading arm – Clear Stream
Trading.
We work with Red Dragon Partnerships to introduce funding from: China, Brazil, Switzerland
and Germany to finance Green Finance projects for infrastructure and community energy

4. Howard-Higgins Agricultural Systems
If the goal of the kingdom (or in this case, the corporation) is to survive and
prosper, then what is the goal of its strategy? Sun Tzu offers this advice:
“Your aim must be to take All-under-Heaven intact. Thus your
troops are not worn out and your gains will be complete. This is the
art of offensive strategy.”
Schumacher Capital Partners 2012
This is the over-arching principle of the great Chinese philosopher-general;
the greatest victory is the one you win without having to fire a shot, i.e. you are
so well-prepared on the pathway to war, that your enemy declines combat.
provision – projects that pay an investor dividend and social dividend in accord with the
demands of transition to low-carbon technology.
We provide for zero carbon pensions through the application of: Science, Capital, Agriculture
and Technology.
The list of partners who we work with in these areas
is available on request.
We specialize in Eco-polis Agro-polis Food for
Cities model in line with Howard Higgins
Agricultural Systems for development of Natural
Capital.
1/. We work with insurers to provide for de-risked
situations based on the Five Fundamentals of: Tao –
Nature – Situation – Leadership – Art of Strategy.
2. We work with government – local – regional and national to provide for infrastructure projects
in the areas of: infrastructure, city planning, economic regeneration, Green Finance for Jobs,
Healthcare, Transport and Education.
3. We call these arrangements – Normative Operational Requirements and Secure Operational
Understandings respectively.
4. We work with organizations on the areas of: Waste/Wealth/ Recycling – Enterprise, Security
and Technology – (WEST)
5. WE set up a Green Fund for each local authority we deal with.
We settle Eunomia on NOR Trust Holdings or SOU Trust Holdings and introduce you to those
who can serve you in the areas of – Economy, Agriculture, Security and TAX.
6. The EAST Agreement is made with regional or central government intent upon having a
North South East West integrated strategy that organizations can sign up to.
7. We work on the principle of FOUR AGREEMENTS - the 5th
Element is informed by and
informs Unified Field Perspective that delivers on Stable State Economics, Stable State
Governance, Stable State Currency and Stable State Prosperity.

5. Howard-Higgins Agricultural Systems
If the goal of the kingdom (or in this case, the corporation) is to survive and
prosper, then what is the goal of its strategy? Sun Tzu offers this advice:
“Your aim must be to take All-under-Heaven intact. Thus your
troops are not worn out and your gains will be complete. This is the
art of offensive strategy.”
Schumacher Capital Partners 2012
This is the over-arching principle of the great Chinese philosopher-general;
the greatest victory is the one you win without having to fire a shot, i.e. you are
so well-prepared on the pathway to war, that your enemy declines combat.
Thus – as a management consultancy we provide for
regional and national strategy based on economic
regeneration through strategic deployment of
technology – with agreements in place to realize
investment in the same through Green Finance and
Zero Carbon Pensions.
We provide a point of Governance of National/
Regional Strategy through provision of Transport –
Energy – Enterprise – Pensions and Healthcare.
The Five Fundamentals inform the Eco-polis – Agro-polis model according to Sun Tzu
Principles of Strategy and provide a methodology for sustainable insurance to engage in
appropriate underwriting for the purposes of risk management and security.
 Insurance as Governance – a White Paper
 See also: Resources Future
 The Stern Report
 The Report of the Kay Commission
 Conservation through Life Assurance.
We have a Model for Sustainable Capitalism.
The model depends on the intersection of four cross roads – Science – Capital –
Agriculture and Technology – at which
intersection we have the gateway for Green
Finance and Bottom Up Funding for Zero
Carbon Pensions.
Many may shudder when they hear the word
capitalism – it is not capital that is the
problem – it is the extractive method used to
appropriate capital that causes the
headache.
There is a fundamental difference between extractive technology that uses
extractive methods to drive down labour costs, reduce the human element to zero,

6. Howard-Higgins Agricultural Systems
If the goal of the kingdom (or in this case, the corporation) is to survive and
prosper, then what is the goal of its strategy? Sun Tzu offers this advice:
“Your aim must be to take All-under-Heaven intact. Thus your
troops are not worn out and your gains will be complete. This is the
art of offensive strategy.”
Schumacher Capital Partners 2012
This is the over-arching principle of the great Chinese philosopher-general;
the greatest victory is the one you win without having to fire a shot, i.e. you are
so well-prepared on the pathway to war, that your enemy declines combat.
and automate to machine drivers and the role of
sustainable technology that works according to scale
and provides employment – livelihood and vocation
instead of instrumentalising the individual to serve the
ends of another.
Sustainable Capital – is based on Capital Development –
Human, Social and Natural Capital – Soil Capital that
allows people to feed themselves and not be a burden or
security risk to others.
The Sustainable Model addresses food security and
energy security by aligning the values of Rights for
Nature – as evidenced by a Latin American country with
the needs of People – Buen Vivir - with the needs of the
region – The Rainforests.
By aligning Conservation Interests with the Needs of the Region – the interests of
the rest of the world to see Stable State Governance can be addressed by tackling
the fundamental position – the move from Extractive to Supportive. Simply, there
are too many fingers extracting from the pot – if one learns to remove one’s fingers
and address the needs of supportive economy – building pots – then Green Finance
for Infrastructure Projects becomes a default position.
Pot-making is an industrial activity that is the foundation of civilisation itself.
Clean water, sanitation, fresh local produce, non-toxic supplies of energy, access to
healthcare and education are all part of the Food For Cities programme that is at
the heart of the Eco-polis Agro-polis model.
Enabling sustainable land management through appropriate use of technology
calls for being informed by the work of those whose role is to develop renewable
energy through sustainable technology and develop strategy and policy for Stable
State Governance, informed by and informing Stable State Economics, Stable State
Currency and Eunomia.
Party to this Blueprint are:

7. Howard-Higgins Agricultural Systems
If the goal of the kingdom (or in this case, the corporation) is to survive and
prosper, then what is the goal of its strategy? Sun Tzu offers this advice:
“Your aim must be to take All-under-Heaven intact. Thus your
troops are not worn out and your gains will be complete. This is the
art of offensive strategy.”
Schumacher Capital Partners 2012
This is the over-arching principle of the great Chinese philosopher-general;
the greatest victory is the one you win without having to fire a shot, i.e. you are
so well-prepared on the pathway to war, that your enemy declines combat.
 Royal Agricultural College
 Rainforest Alliance
 Buen Vivir – The Values of the People of Latin
America
 Insurers
 Sustainable Finance – Integrated Banking and
Insurance services
 Governance and Natural Law
 Policy and Strategy
 The Open Society Foundation
 Eco-polis – agro-polis model – the sustainable
City
 Howard-Higgins Agricultural Systems
Town & Country Planning
 Scale – Architecture & Design – Vitruvian
Partnerships
 Taoist Economy
 Chambers of Commerce
 Green Finance
 Natural Capital
 Science – Agriculture – Technology & Capital – New Directions Foundation
 The Knowledge Economy – Universities of Scotland for Technology Transfer
and Technology Licensing
 The Interactive Collaborative Environment – The Chamber of Commerce for
de-risked enterprise lending
 Those Overseeing Public Works – The Contractors
Zero Carbon Pensions – informed by and informing Sustainable Healthcare Policy
to de-risk Central Government
 Enterprise Support
 Education
 Renewable Energy
 Security
 Food For Cities