I pretty much do same as what I would do on the face, I see more gals who just don't ever exfoliate the back, and a few with acne. If it's mainly dead skin buildup I will use a good exfoliateing scrub-like salt/sugar etc., with acne, I will use either a 1-2 layer peel or emzyme peel followed by extractions.
A forward contract is an agreement between two parties to buy or sell an asset at an agreed future point in time. The trade date and delivery date are separated. A futures contract is a standardized forward contract that is traded on an exchange, like SAFEX. Other than forward contracts, futures contracts are not linked with specific buyers.
The parties initially agree to buy and sell an asset for a price agreed upon today (the forward price), with delivery and payment occurring at a future point, the delivery date. Because it is a function of an underlying asset, a futures contract is a derivative product.