A soybean farmer wants to guarantee a good price for their crop three months before harvest, while a soy milk manufacturer wants to guarantee supply of soybeans for at least three months. A Futures Contract is negotiated between the two, guaranteeing delivery at a specified date, at a specified price. This is a prime example of two agents minimizing their risks through the use of hedging, Detail two similar situations in which two or more agents minimize their risks through the use of pre-negotiated contracts