To deal with the potential problem that some farmers might get disillusioned and withdraw early - creating perturbation - each group will have to deposit enough money into a bank account in advance to cover the entire cost of a four-year operation.

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You can either set up direct deposit into a bank account or have the money loaded onto a prepaid debit card, called Direct Express, says Mr. Henderson.

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These cards require you to deposit an amount of money usually equal to the credit limit into a special savings account that the bank can collect any missed payments from.

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