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.
For forward contracts, settlement of the contract occurs at the end of the contract. Futures contracts are marked-to-market daily, which means that daily changes are settled day by day until the end of the contract. Furthermore, settlement for futures contracts can occur over a range of dates.
There are oil futures and there are oil options. An oil futures contract is a standardized contract traded on a futures exchange, to buy or sell a specific quantity of oil at a future date. In other words, oil futures are contracts to buy or sell at a specific date in the future at a price specified today.