Abstract: 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.

Abstract: An apparatus for transmitting acoustical energy from a stringed musical instrument having a bridge and string anchor to a listener comprising an energy pick-up chamber, an energy transmission member and a means for transmitting said energy to a listener is disclosed. The pick-up chamber is located at said bridge and is in resonant contact with the strings. It has at least one opening through which an elongated, hollow, energy transmission member is connected to the interior of the chamber. The means is mounted on the other end of the hollow member for transmitting the musical energy to the ears of a listener.