I am assuming we can still form tranches, CDOs, and the like with this system and set policy to ensure that the structure of these financial instruments is regulated.

With all the back-lash against higher education and "elitism" (I've even seen it here on this forum), those that have the opportunity to get the type of education that is required to develop the technology to win this "war" are being discouraged from doing so.Improve our educational system, once again encourage our citizens to become the most technically advanced in the world (instead of discouraging it), and then we'll be able to fight this "war" in more effective ways than putting ten thousand troops into a random village.In addition, take the $100B this country is going to spend in the next 5 years on advanced aircraft that won't do us any good in this particular war, and use that money to build communications technology that WILL allow us to disrupt our enemies, as well as build technology like that which Bryan is working on, which can accomplish much more for much less cost, risk, and collateral damage.Ask any military historian what the most instrumental part of winning WWII was, and he won't say the atom bomb or our superior aircraft -- he'll say it was our ability to break into our enemy's communications channels and then ultimately break their codes -- allowing us access to their strategies and locations.

Do you offer these same depositors the chance to convert their large deposits to other debt instruments of the bank?

OK, I'll confess I didn't make it through all of the discussion, but I get the show stopper to be forward expectations of rising rates built into the instruments.Someone back earlier in the thread mentioned interest rate swaps (or possibly a forward starting interest rate swap in the case of a 3/1 or 5/1 ARM) as the perfect instrument to accomplish this, but they're only available in the institutional space.

If there has been some course, book, seminar, etc. that has been instrumental in your RE education, please share it with us?

Dialogue and negotiations are preferred as instruments for resolving even the most difficult international conflicts.

This addendum refers to the Future Advance Clause of the mortgage agreement and the parties signing the Rider specifically agree that any future advances made will not be covered by the mortgage instrument.

His administration was instrumental in fighting malaria, aids and other diseases in Africa.

That product is a commercial loan instrument.  

You won't, however, learn as in depth on those topics or learn about other financial instruments as well.