You are a policy advisor at a central bank. The market is showing signs of a 'maturity mismatch' bubble where short-term debt is funding long-term illiquid assets. Traditional regulatory measures (capital requirements) are politically difficult to implement immediately. Design a 'Nudge'—a behavioral intervention structure—to incentivize institutional investors to re-align duration risk without explicitly banning the behavior. Explain the psychological biases (e.g., present bias, herding) you are leveraging, the mechanism of the nudge, and potential unintended consequences.