Many of these farmers live in places where markets - for agricultural inputs and outputs, labour, and other goods and services such as credit and insurance - are lacking or do not function well. The uncertainties of weather, particularly with accelerating climate change, and the lack of affordable insurance are at the heart of the vulnerabilities of households dependent on agricultural livelihoods. As a result, they often adopt low risk, low-return, agricultural and other income-generating strategies, and may seek to obtain liquidity or diversify income sources in casual labour markets.