Commodities includes many products, which includes raw material agricultural products, petroleum products, and industrial and precious metals. In specialized markets, physical commodities are bought and sold in bulk for immediate delivery. These markets are known as the "spot" or "cash" market. The majority of traders who participate in the spot market are producers. And the users of commodity are able to finance and store large amounts of a commodity, which are refinery buying crude oil or a flour miller buying wheat and corn. Due to consequences, individual traders and investors rarely purchase any physical commodity except precious metals like gold, silver, platinum. or palladium.