Lending and funding processes, lending and funding products, lending and funding services, securitisation processes and services, capitalisation processes and services, cash flow discount funding of receivable income streams, credit and capital enhancement processes, products and devices and lenders mortgage insurance products, derivative funding processes, products and services, optionality of derivative funding processes, products and services, risk management processes, products and services relating to derived capital raising targets utilising stepped monoline bond funding and lending processes, services and products, credit protection device for conduit reserving and equity conduit monoline bond issue funding relating to residential commercial and industrial property loan funding, commercial finance funding, commercial leasing funding, credit card funding, debit card funding, contract for difference funding, margin loan funding, commercial receivables funding products and services