Abstract: Systems, methods, and computer program products are provided for directing cash flows associated with a mortgage-backed security to back other securities without collapsing the original mortgage-backed security. A mortgage-backed security/an/or a set of loans is analyzed to identify cash flows from mortgages having specific desirable characteristics, and the cash flows are directed to subgroups or pools that support new mortgage-backed securities. The new securities make the desirable cash flows available to an issuer or prospective investor without collapsing the original mortgage-backed security.

Abstract: A system and method for establishing a healthcare network across small businesses whereby two or more small businesses and one or more healthcare insurance providers are enrolled in a small business employee healthcare network. The one or more healthcare insurance providers then offer one or more healthcare insurance plans through the small business employee healthcare network at initial bid prices. Employees of the enrolled small businesses are then provided an opportunity to view the one or more healthcare insurance plan offers. Interested employees of the enrolled small businesses then opt into one or more of the one or more healthcare insurance plan offers through the small business employee healthcare network.