I will show you how to get a cash asset on your books of a minimum of $25 million per 100 employees, that you have access to in 10 - 12 years, that doesn't cost you a dime ever or your money back.  And while that can be used to currently Securitize bond offerings, the best part is every employee will receive a paid whole life insurance policy of $200K or more and it will not cost the municipality or the employee a dime.