Abstract: A technical and commercial method of managing information is provided including the investment of company funds in a trust/foundation and or utilization of a Financial Instrument associated with the long term or perpetual Storage and Access of the information or intellectual property (IP). The Financial Instrument provider or trust/foundation manager is the Custodian of the instrument/trust/foundation and responsible for assuring the fees are paid to the designated Trustee for the perpetual or long term maintenance of the Digital Information in a safe repository accessible via various modern operating systems and hardware. Further, the Financial Instrument/Trust/Foundation can be managed separately from the Trustee to further ensure its enduring integrity and long term viability, though the fees are applicable to continued access to the Digital Content in the safe repository through an electronic communications network.

Abstract: A system and method for providing loans to third parties based on the third parties' request to obtain funding for professional services includes loan financing that replaces a vast and existing market of underwritten unsecured debt. The system provides an amount of secured debt issued on repeatable underwriting standards and converts the debt to collateralized debt obligations which may be arranged in packages as transferable financial instruments that may be purchased by investors. The loans to the third parties may be provided with associated default risks depending in part on whether a security interest is taken by the lender. Further, the payments made to the professional service provider may be discounted based at least in part on when the payment is made by the lender to the professional service provider.