Macca Enterprises Ltd sells various types of insurance. To streamline its operations, it hopes to eliminate its "collections department," which contains a large number of employees who have the task of collecting money from customers who buy insurance. Macca would much prefer to hire another company, Ramon Inc, to perform that service on its behalf. Ramon is willing to act as Macca's collection agent and the parties have worked out most of the terms of their proposed agreement. Macca, however, still has one big concern. "What happens," asks Macca's general manager, "if Ramon collects a lot of money on our behalf, but then goes bankrupt before paying that money over to us?" As the general manager knows from painful past experience, it is impossible to get full payment-if anything-from someone who is bankrupt. Suggest a way in which Macca can retain Ramon's services without exposing itself to risk if Ramon goes bankrupt. Explain the role played by each party under that arrangement.