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We discuss a possible solution to an unintended consequence of having grades,certificates, rankings and other diversions in the act of transferringknowledge; and zoom in specifically to the topic of having grades, on a curve.We conduct a thought experiment, taking a chapter (and some more?) from thefinancial markets, (where we trade pollution and what not?), to create amarketplace, where we can trade our grade, similar in structure to the interestrate swap. We connect this to broader problems that are creeping up,unintentionally, due to artificial labels we are attaching, to ourselves. Thepolicy and philosophical implications of our arguments are to suggest that alltrophies that we collect (including certificates, grades, medals etc.) shouldbe viewed as personal equity or private equity (borrowing another widely usedterm in finance) and we should not use them to determine the outcomes in anyselection criteria except have a cutoff point: either for jobs, higher studies,or, financial scholarships, other than for entertainment or spectator sports.We suggest alternate methods for grading and performance assessment and putforth tests for teaching and learning similar to the Turing Test forintelligence.

For Whom the Bell (Curve) Tolls: A to F, Trade Your Grade Based on the Net Present Value of Friendships with Financial Incentives