b'we live, to enterprises of human scale whose intentions, in turn, are to be vital members of a healthy community, goes to the heart of the matter.OK. Lets say weve gotten all square with our intention. What then? Even the most radically neighborly among us can put, by dint of our own gumption and common sense, only so much of our money to work directly into local farms. Were going to need help with the rest. The rest of our money and the rest of the local economy. Local newspapers and independent bookstores, radio stations, community health clinics, affordable housing, distributed energy, the rest of Main Street. Were going to need a new generation of local funds and affection-riddled financial professionals and nurture capital investment products. This new generation of financial intermediaries, this new sector, will be unlike that which has come before in the most fundamental of ways. It will be characterized by flows of capital away from the center and towards the periphery, away from Wall Street and towards Main Street, away from the federal and towards the municipal, away from trillions and billions and towards human-scale enterprise. This shift in economic thinking is as natural as the realization that the priorities of one period of economic development must give way to the priorities of subsequent periods of economic development. At the risk of going all Biblical and Byrds-like: There is a time to build dams and a time to remove them.Institutional financial intermediation is to money what dams are to water. It creates power, but at considerable long-term costs. For much of the 20th century humans got really good at dam building. Damsembraced for their flood protection, water storage and electricity generationdrove industry, built cities 1919'