For those without the time (or grit) for Richard D. Wolff the idea is to replace the top-down autocratic organization of the corporate structure with a bottom-up democratic one of worker self-directed cooperatives. The idea being that risk and liability are spread across a large base of people - not unlike insurance. At the same time it fails to concentrate wealth in a few 'top dogs' and decisions made democratically are less likely to screw over workers 'for the good of stakeholders'. Wolff hopes that, as the decision makers of such a body are likely to live in the area their business affects, decisions made are less likely to pollute or otherwise externalize costs to the local area. For instances where individual decision making must be had (due to expertise or importance of swiftness) or where management of workers is needed - he refers to the successes of the Mondragon Corporation (where they, as laborers, hire and fire the managers that manage themselves based on how good they are).