Daniel \& Daniel LLP, a London-based law firm seeks your legal counsel. They want specifically to understand: 1. What is meant by "Islamic financial instruments" and "Islamic financial engineering" as applied by the Islamic financial services industry? 2. They especially want to understand how the division between "equitybased" and "debt-based" division in financing works when applied to Islamic financial instruments? 3. Daniel \& Daniel LLP also wants to understand how genuine the processes in "Islamic financial instruments" and "Islamic financial engineering" are? And how they may differ from each other? (Please give detailed and well-structured examples.) 4. Daniel \& Daniel LLP also wants to learn how would you deal with the problem of credit rating (applied when you apply to a conventional loan) and in an Islamic financial instrument such as "Mudarabah"? Would your client also need to subject borrowers of Islamic "AI-Qard Al-Hassan" (benevolent loan) to credit searching (rating)? And why? 5. Daniel \& Daniel LLP also wants also wants to know how has the question of "Islamic financial engineering" raised the prospect of "legal wizardry" when constructing Islamic financial instruments generally, and to the question of Sukuk specifically