EXHIBIT 10.22

                       ASSIGNMENT AND ASSUMPTION OF LEASE

                THIS ASSIGNMENT AND ASSUMPTION OF LEASE (this "AGREEMENT") is
made as of [    ] 2006, by and between GLOBAL CREDIT ANALYTICS, INC., a Delaware
corporation ("ASSIGNOR") and XL CAPITAL ASSURANCE INC., a New York stock
insurance corporation ("ASSIGNEE").

                For and in consideration of the sum of Ten Dollars ($10.00) and
other good and valuable consideration paid by Assignee to Assignor, the receipt
and sufficiency of which are hereby acknowledged, Assignor hereby assigns,
transfers, sets over and conveys to Assignee, all of Assignor's right, title and
interest in and to that certain (i) Lease dated August 5, 1999 between 250 Park
Avenue LLC, as landlord, and Assignor, as tenant (the "LEASE") and (ii)
Agreement of Sublease dated April 7, 2003 between Assignor, as sublessor, and
Miller Buckfire Lewis & Co., LLC, as sublessee (the "SUBLEASE"). Assignee hereby
accepts the assignment and agrees to assume, fulfill, perform and discharge all
the various commitments, obligations and liabilities of Assignor, as tenant
under the Lease, and as sublandlord under the Sublease, in accordance with the
terms of the Lease and the Sublease, as the case may be.

                This Agreement shall inure to the benefit of and be binding upon
the parties hereto and their respective successors and assigns. This Agreement
shall be governed by, and construed under, the laws of the State of New York.

                IN WITNESS WHEREOF, Assignor and Assignee do hereby execute and
deliver this Agreement as of the date and year first above written.

                                        ASSIGNOR:
                                        ---------

                                        GLOBAL CREDIT ANALYTICS, INC., a
                                        Delaware corporation
                                        By:
                                           -----------------------------
                                             Name:
                                             Title:

                                        ASSIGNEE:
                                        ---------

                                        XL CAPITAL ASSURANCE INC.
                                        a New York stock insurance corporation
                                        By:
                                           -----------------------------
                                             Name:
                                             Title: