Mr. Gerard Murphy:

They responded to different use. I would not say one was better than the other. I go back to one's appetite for risk. Some people prefer a guaranteed payment all the way through without having to worry about the performance of the crop. That takes a lot of the risk out. In the later schemes, people perhaps took less money earlier through the crop and waited for more value to come out at the clearfell stage. Each depended on the preference of the partner.