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Idaho hedge their risks in their farming and ranching opportunities in the same way by trying to make sure that they have protected the price of certain commodities that they need to utilize in the conduct of theirins. By making sure they have protected certain commodities. Derivatives have historically been used by businesses. And everything and between to manage the risk of their businesses. Endusers trading derivatives to hedge business and economic risk and it is important to understand. Overtime derivatives of ground and the use of investment in derivatives has grown. Instead of just endusers trying to manage risk and community commodities for their products and physical needs many derivatives in fact, probably most more than the majority of the derivatives that are invested in today are no longer based upon a physical commodity but are links to variables like Interest Rates or stock prices or currency valuations or other factors like that. The market has moved into areas similar

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