With aid of diagrams, your individual submission, should discuss in detail the following three important exchange-based modes of retail finance conducted by Islamic Banks in South-Asia and the Middle East; (i) Murabaha (ii) Bai al-Inah (e.g. Bai Bithaman Ajil BBA) (iii) Tawarruq (Reverse Murabaha / Commodity Murabaha) In your answer, (a) discuss the various rules and issues related to each of the modes of finance, (b) illustrate and explain the mechanics of each transaction in terms of legal form, and also (c) give your opinion in terms of economic substance (with regard to the Islamic normative theory of profit).