Before revision:   I show that both where the DIN is a minor fraction of investment , and where the DIN insures 100\% of invested funds for the duration, in the normal range of returns the DIN underwriting business is profitable.
After revision:  This proposal solves an old problem in banking, because it matches the term of the loan with the term of the investment. I show that both where the DIN is a minor fraction of investment , and where the DIN insures 100\% of invested funds for the duration, in the normal range of returns the DIN underwriting business is profitable.