Abstract: A method for treating phosphate-containing wastewater, such as phosphogypsum pond water. The method includes the steps of: (a) adding a first cation to the wastewater to precipitate fluorosilicate from the wastewater; (b) adding a second cation to the wastewater to precipitate fluoride from the wastewater; (c) raising the pH of the wastewater to precipitate the second cation from the wastewater; (d) removing residual silica from the wastewater; and (e) precipitating phosphate from the wastewater. The precipitated fluorosilicate may be sodium fluorosilicate. The precipitated phosphate may be struvite.

Abstract: Disclosed are novel capital market products, e.g. bonds, equities and like, employing a life settlement policy pool as collateral against repayment of principal. One embodiment is a securitized life settlement bond collateralized by a pool of about 800 senior life settlement policies each bearing death benefits expected to mature within the bond term. At least one single premium immediate annuity (“SPIA”) can be employed to securitize the coupon payments on the bond. Also, an investment instrument, optionally an impaired-risk SPIA can be used to securitize and guarantee the policy premium payments for the life of the insured. Included are methods of pre-funding the costs of supporting the issued bond to make the bond bankruptcy-remote and eligible for a high rating.