A method of operating a resource pooling system involves receiving resource deposits from a first set of member companies into a resource pool, the resource deposits that includes excess resources for operating the first set of member companies. The method lends resources from the resource pool to a second set of member companies in response to each company of the second set of member companies requesting resources in an amount that exceeds a total resource deposit for the company. In the method, the first set of member companies and the second set of member companies form a resource co-operative.
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