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accept aggressive competitive spirit Albion Yard allocated APPENDIX Architects Registration architectural co-operatives articles of association assets Avanti Architects Beechwood College best buildings capital carry limited liability clients Co-operative Development Agency co-operative practice co-operative principles co-operative's Co-operatives and Community co-ownership co-operative co-ownership shareholding common ownership co-operative company limited Design Co-operative Design Group design team discussed Distributed by PDC Edward Cullinan Architects enhancing the co-operative firm Freer Spreckley Friendly Societies full-time Glazzard Architects Co-operative Group 9 group believes Ian Finlay ICOM model rules ICOM rules individual Jim Brown Job Ownership Limited Leeds limited by shares loan maximum number minimum lending rate needs non-architect non-architectural staff operative Development Agency organisation carry limited partnership practising as co-operatives problems professional negligence registered architect Registrar of Friendly responsibility review job progress RIBA SAG seminar salary levels Scottish Co-operative Development share was ideal structure talked type of co-operative weekly meeting