useful reference

http://www.williamsonhomepage.com/brentwood/wesley-financial-group-providing-scholarships-for-students-from-single-parent-households/article_36f44986-eef2-11ea-b3c2-73d73b7dbc10.html

<p class="p__3">Pros Lock in prices Hedge against risk Can be leveraged Diversify portfolio Cons Hard to worth Subject to counterparty default (if OTC) Complex to understand Sensitive to provide and require aspects