| 摘要 |
The invention pertains to a financial product having an insurance component covering only an amount of capital at risk that exceeds a replacement cost of an asset collateralizing the capital. The product includes a payment component that provides a payment equal to at least a portion of the amount of capital at risk in excess of the replacement cost of the asset, upon loss of the asset. In the preferred embodiment the payment may be substantially equal to the amount of capital at risk in excess of the replacement cost.
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