Thimble earns its Ownership value from who ultimately controls the institution. Cooperative or nonprofit control creates more stakeholder alignment; ordinary private ownership leaves freelancers dependent on a vendor rather than giving them governing power.

Thimble's Governance value reflects whether independent workers can meaningfully change rules, fees, benefits access, or platform policy. Formal cooperative or nonprofit accountability matters more than customer support or brand promises.

Thimble's Extraction value turns on whether the service pools bargaining power for workers or simply charges a toll on a difficult benefits market. The score is lower where surplus and data flow primarily to investors or enterprise clients.

Thimble's Labor Sovereignty value measures whether the model expands independent workers' control over income, benefits, tax status, and client relationships. Tools that only help firms administer contractors do less for worker agency.

Thimble's Solidarity value is tied to service for people outside standard employment. Portable benefits, free advocacy, and access for self-employed workers strengthen this axis; employer-facing contractor management weakens it.

Thimble's Loss-Bearing Fidelity value reflects whether the institution absorbs complexity and risk for workers or pushes it back onto individuals through fine print, brokerage dependence, or policy exclusions. This value is calibrated against Opolis, Freelancers Union, ACA enrollment tools, insurance marketplaces, and enterprise contractor platforms rather than against ordinary household insurers alone.

Thimble's Market Conduct value reflects pricing restraint, cancellation friction, switching costs, and bargaining asymmetry. Transparent cooperative fees and low-friction access rate better than opaque brokerage or enterprise-platform economics.

Thimble's Product Integrity value is strongest where the core service solves a real benefits, insurance, payroll, or compliance problem for independent workers without degrading into lead generation or lock-in. This value is calibrated against Opolis, Freelancers Union, ACA enrollment tools, insurance marketplaces, and enterprise contractor platforms rather than against ordinary household insurers alone.

Thimble's Scale Integrity value asks whether growth makes portable benefits more accountable and accessible or mainly expands a data-heavy intermediary layer between workers, insurers, clients, and platforms. This value is calibrated against Opolis, Freelancers Union, ACA enrollment tools, insurance marketplaces, and enterprise contractor platforms rather than against ordinary household insurers alone.

Thimble gets limited Good Deal credit because the linked record shows an unusually pro-worker or transparent practice beyond ordinary product delivery. The credit stays modest unless the record shows a durable, institution-wide practice rather than a program feature.